Real Estate Investing in Eads, Colorado (81036)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Kiowa County • Population: 994 • Data updated: September 2026

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Should you buy in 81036 (Eads, CO)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (57/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • High vacancy: 18.1% of homes vacant — above national norms.

• 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 Eads, CO (81036)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $161,542
Avg Monthly Rent $999
1% Rule ✗ Does Not Meet
Median Income $49,167
% Renters 23.7%

Market Analysis: 81036 Eads

The 81036 ZIP in Eads, CO is a local-operator market. Outside capital chasing a $162K entry has to pair deep knowledge with the discount.

For an experienced owner, 81036 can be a an appealing option for hunting ground — but the discount at $162K reflects genuine risk that outside investors often underestimate.

Nearby ZIPs in Eads have seen price recovery that 81036 has not matched. Kiowa County data supports the view that the spread is structural rather than temporary.

Demographically, 81036 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Strategy in 81036 is an operator game, not a passive one. On balance, entry prices of $162K are inviting, the management lift is real and non-optional.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Eads:

C+ Average
Buy Confidence Score: 68/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.3× the median income
Value Trend
Stable (+1.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $999/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.

Market Trends

Home Value History (with trend line)

$190K$160K$129K$99K$69K$39KDec 2013Apr 2020Jul 2026

📊 How Does 81036 Compare?

Metric 81036 Eads Colorado
Home Value $161,542 $161,542 $535,778
5-Year CAGR 3.7% 3.7% 4.9%
Avg Rent $999 $999 -
Cap Rate 4.8% 4.8% -
💡 Why Invest in 81036? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 81036 (Eads, CO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.8%
Fair
5yr Growth
+3.7%
Moderate

📊 Market Snapshot

Home Value $161,542
Monthly Rent $999
Price-to-Rent 13.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.4%
Cap Rate 4.8%
5-Year IRR 8.5%

📈 Home Appreciation

1-Year +1.6% ▲
3-Year CAGR +5.7% ▲
5-Year CAGR +3.7% ▲
10-Year CAGR +9.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.8%). 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.

Vacancy
18.1%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.7%
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 81036

Population: 994

💰 Median Household Income
$49,167
This area
$49,167
State
$79,719
USA
$74,580
🏠 Renter Occupied
23.7%
This area
23.7%
State
26.4%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-25.8%
USA
3.7%
🎓 College Educated
14.4%
This area
14.4%
State
5.8%
USA
33.7%
👤 Median Age
46.2 years
This area
46.2 years
State
-0.1 years
USA
38.9 years
🏚️ Vacancy Rate
18.1%
This area
18.1%
State
18.7%
USA
10.5%
👥 Population by Ethnicity
White 96.5%
Other/Mixed 2.7%
Hispanic/Latino 1.0%
Black/African American 0.8%
👶 Under 18
20.6%
This area
20.6%
USA
22.0%
👴 65 and Over
24.6%
This area
24.6%
USA
17.3%
📊 Poverty Rate
8.2%
This area
8.2%
USA
11.5%

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

🎓 Schools in 81036

B Avg School Grade
3 Schools
11.8:1 Avg Class Size
$13,397 Avg Per Pupil

Schools in This ZIP Code

B Good

Eads High School

📚 09 – 12 High School
👥
48 Students
👨‍🏫
7.3:1 Class Size
💰
$13,397 Per Student
B Good

Eads Middle School

📚 06 – 08 Middle
👥
43 Students
👨‍🏫
10.8:1 Class Size
💰
$13,397 Per Student
B Good

Eads Elementary School

📚 Pre-K – 05 Elementary
👥
126 Students
👨‍🏫
17.3:1 Class Size
💰
$13,397 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

What kind of market is Eads, CO for investors?

Investors tracking Eads, CO will find a 3.0/5 rating supported by $162K median home values and $999/mo rents. That profile suits long-term holders targeting predictable returns.

What real estate strategy is ideal for Eads, CO?

For Eads, CO, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

Are tenants stable in Eads, CO?

Working renters make up the core of the Eads, CO tenant base. The pool is reasonable for investors targeting long-term holds.

How viable is house hacking in Eads, CO?

The house hack math a challenging in Eads, CO. Owner-occupant buyers benefit from the $999/mo rents and $162K home values.

How much do tenants pay in Eads, CO?

Expect rents around $999/mo per month in Eads, CO. With home values at $162K, the yield math works out to reasonable levels for rental investors.

You know 81036 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 81036 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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