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Area data

Mosca, CO — ZIP 81146

Population: 637 (Census ACS)

The median home value in ZIP 81146 (Mosca, CO) is $354,161 — up 5.8% over the past year. 2 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Very Low, with drought, avalanche, lightning the top-rated hazards. Cost of living is 3.1% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$354,161

Median home value

+5.8%

1-year change

Very Low

Hazard risk (county)

Home values & appreciation

Median home value
$354,161
1-year appreciation
+5.8%
3-year appreciation
+10.5%
5-year appreciation
+35.0%
10-year appreciation
+113.0%
All-time peak (2026-05)
$358,582
House Price Index (state)
687.4 (-0.6% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median list price
$289,000
For-sale inventory
8
Active listings
4

Source: recent area sales and market data (ZIP-level)

Rents

Studio fair-market rent
$853/mo
1BR fair-market rent
$949/mo
2BR fair-market rent
$1,149/mo
3BR fair-market rent
$1,570/mo
4BR fair-market rent
$1,920/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Above Average)
103.1 (100 = US avg)
Electricity rate (state-level)
15.9¢/kWh
Natural gas rate (state-level)
$11.20/MCF
30-year mortgage rate (national)
7.40%
15-year mortgage rate (national)
6.73%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
2
Elementary schools
1
Middle schools
0
High schools
1
Avg student-teacher ratio
10.3 : 1
Schools include
Sangre de Cristo Elementary School, Sangre de Cristo Undivided High School

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Very Low
Top hazards (county)
drought, avalanche, lightning
Notable hazard ratings (county)
hail: Relatively Low · drought: Relatively High · coldWave: Relatively Low · avalanche: Relatively Moderate · lightning: Relatively Moderate · earthquake: Relatively Low
Wildfire risk to homes (county)
Higher than 34% of US counties
Buildings in wildfire direct-exposure zone
48.2%
Radon potential (county)
Moderate radon potential — EPA Zone 2 of 3
EPA Superfund (NPL) sites within 5 mi
None
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Annual precipitation
9.9 in
USDA plant hardiness zone
5a (extreme annual low -20 to -15°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
25
Days with Good air quality
334
Days with Moderate air quality
31
Highest AQI recorded (year)
76

Source: EPA air quality data (nearest monitoring station, annual)

Amenities

National parks within ~60 mi
1
Nearest national park
Great Sand Dunes National Park & Preserve (15 mi)
Airports within 30 mi
11
Nearest airport
Green Acres Airport (10 mi)
Nearest major airport
San Luis Valley Regional Airport/Bergman Field (ALS) (15 mi)
Hospitals nearby (~15 mi)
3
Hospitals include
SAN LUIS VALLEY REGIONAL MEDICAL CENTER, RIO GRANDE HOSPITAL, SAN LUIS VALLEY HEALTH CONEJOS COUNTY HOSPITAL
Avg hospital rating (CMS)
3.5 / 5
Best hospital rating nearby (CMS)
4.0 / 5
Solar radiation rating
Good (5.3 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
-1 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,993
Housing built before 1970
22.6%
Housing built 2000 or later
35.2%
Median annual property tax
$929
Households with broadband internet
48.5%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
6,290
Average weekly wage
$930
Top industries (by employment)
Health Care, Finance & Insurance, Professional Services
Annual residential building permits (county)
56

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 81146State medianUS median
Median home value$354,161$493,059$288,527
Median annual property tax$929$1,694$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 81146?
$354,161.
What is typical rent in ZIP 81146?
2-bedroom fair-market rent: $1,149/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 81146?
Overall risk: Very Low (FEMA NRI, county-level). Top hazards: drought, avalanche, lightning.
What is the wildfire risk in ZIP 81146?
Risk to homes is higher than 34% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 81146?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 81146?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 81146?
2 schools (1 elementary, 1 high) (NCES, 2022-23).
What is the air quality in ZIP 81146?
Good. Median AQI: 25. (EPA AQI).
What is the cost of living in ZIP 81146?
Regional Price Parity: 103.1 (100 = US average) (Above Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Oct 2026. See all data sources →

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