Real Estate Investing in Oak Creek, Colorado (80469)
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Should you buy in 80469 (Oak Creek, CO)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Higher unemployment: 9.5% unemployment — tenant risk signal.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Oak Creek, CO (80469)?
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Market Analysis: 80469 Oak Creek
Not every below-median market is a bargain. Oak Creek's 80469 ZIP comes in at signals that favor experienced operators who can absorb the risk $442K pricing implies.
Distressed markets are won on execution, not on spreadsheets. ZIP 80469 registers the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
Within CO, ZIP 80469 trails on several market indicators that neighboring Routt County submarkets outperform. The gap is real and durable enough to shape underwriting.
Resident income in 80469 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
tilts toward the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Oak Creek:
Market Trends
Home Value History (with trend line)
📊 How Does 80469 Compare?
| Metric | 80469 | Oak Creek | Steamboat Springs, CO | Colorado |
|---|---|---|---|---|
| Home Value | $442,408 | $560,139 | N/A | $535,778 |
| 5-Year CAGR | 5.8% | 6.2% | N/A | 4.9% |
| Avg Rent | $1,539 | $1,539 | N/A | - |
| Cap Rate | 2.7% | 2.2% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 80469 (Oak Creek, CO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $442,408 |
| Monthly Rent | $1,539 |
| Price-to-Rent | 24.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.2% |
| Cap Rate | 2.7% |
| 5-Year IRR | 8.5% |
📈 Home Appreciation
| 1-Year | +3.1% ▲ |
| 3-Year CAGR | +3.5% ▲ |
| 5-Year CAGR | +5.8% ▲ |
| 10-Year CAGR | +9.3% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 80469
Population: 407
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
Frequently Asked Questions
Which investment style suits Oak Creek, CO?
In Oak Creek, CO the impressive play is typically careful cash-flow rentals with hands-on management. The combination of $442K prices and $1,539/mo rents suits that approach.
What is the typical rental rate in Oak Creek, CO?
Rent in Oak Creek, CO is around $1,539/mo. The resulting rent-to-value relationship with $442K pricing is reasonable for most investor models.
How viable is house hacking in Oak Creek, CO?
Oak Creek, CO offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,539/mo rent level.
What is the median home value in Oak Creek, CO?
Oak Creek, CO median home values land near $442K. That is reasonable territory for investors looking at $1,539/mo-per-month rentals.
What kind of market is Oak Creek, CO for investors?
Oak Creek, CO rates 3.0/5 for investability. With median values at $442K and rents near $1,539/mo, the market offers reasonable fundamentals for rental investors.
You know 80469 now. You don’t know where it ranks.
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