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Learn about the people, housing, costs and businesses in 81638
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in 81638.
True all-in cost — P&I, taxes, insurance & utilities for homes in 81638.
Find and compare lenders active near 81638.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for 81638.
Seismic risk and earthquake insurance estimates for 81638.
Wildfire exposure and insurance estimates for 81638.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for ZIP code 81638 is approximately 6.869% (6.904% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for ZIP code 81638The median home value in ZIP code 81638 is $294k. The median monthly rent is $1,005. Annual property taxes average $770. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in ZIP code 81638 have increased 35.3% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,071/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $46k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in ZIP code 81638 is $66k/year.
Calculate your buying powerThe largest employment sectors in ZIP code 81638 are public administration (21%) and agriculture and mining (17%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.