Best Places81220, CO Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 81220, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
81220 ranks 15,209th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on a strong job market by a wide margin, and biking ranks lowest.
The best neighborhoods in 81220
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
81220's strengths and weaknesses
Where 81220 ranks high
- Local economyBetter than 98% of zip codes
- QuietBetter than 97% of zip codes
- Low property taxBetter than 96% of zip codes
- Heat safetyBetter than 94% of zip codes
- Educational attainmentBetter than 92% of zip codes
Where 81220 ranks low
- BikingBetter than only 2% of zip codes
- Short commute40.5 minutes each way, better than only 4% of zip codes
- Air qualityBetter than only 4% of zip codes
- Housing crash safetyBetter than only 5% of zip codes
- WalkabilityBetter than only 5% of zip codes
What it costs to buy a home in 81220
A household needs to earn about $165,000 a year to comfortably buy the median 81220 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $112,381, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 81220's effective rate of 0.31%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 81220
81220 runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 81220.
Who works in 81220, and how
Work in 81220 centers on health care & social and agriculture & forestry. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 80%
- Work from home 12%
- Transit, walk, or bike 8%
Life in 81220
The map and measures below break down dining, culture, and green space by neighborhood across 81220.
What the weather is like in 81220, month by month
81220 sees roughly 128 pleasant days a year. July highs average about 80 degrees. January highs sit near 32, with lows near 15. The comfortable stretch runs June through September.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 32° | 22° | 15° |
| April | 53° | 41° | 31° |
| July | 80° | 66° | 54° |
| October | 58° | 44° | 34° |
Flying in and out of 81220
The nearest airport, Montrose Regional, is about 25 miles away and is a small airport. The nearest major hub is Denver International, about 183 miles away.
The best schools in and around 81220
Schools across 81220 average a C−, better than 26% of zip codes.
Top elementary schools
- Crested Butte Elementary SchoolB− · 43% proficient
- North Fork Montessori @ CrawfordB− · 40% proficient
- Cottonwood Elementary SchoolC · 35% proficient
Top middle schools
- Gunnison Middle SchoolD+ · 27% proficient
- Centennial Middle SchoolD · 22% proficient
Top high schools
- Montrose High SchoolC+ · 35% proficient
- Gunnison High SchoolC · 32% proficient
- Grand Mesa Choice AcademyF · 10% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 81220 school and its grade on SchoolGrade.
81220 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 81220 against the other 33,109 zip codes.
Common questions about living in 81220
Is 81220 a good place to live?
Using BestNeighborhood's default rankings, 81220 ranks 15,209th of 33,110 zip codes. It scores highest on a strong job market, quiet, and low property taxes, and lowest on biking and long commutes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 81220 expensive to live in?
The median home is worth $677,575. The overall cost of living runs about 5% above the national average. Set against a $112,381 median income, cost of living beats 87% of zip codes.
Is 81220 safe?
81220 is safer than 13% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $749 per resident a year.
Compare 81220 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 81220. Scores are absolute rather than ranked, which means a 60 in 81220 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
81220 detail on BestNeighborhood maps:
- Walk Grade for 81220: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 81220: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 81220: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 81220: carrier by carrier coverage behind the cell score.
81220 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.