Real Estate Investing in Mosca, Colorado (81146)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 81146 (Mosca, CO)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 14.5% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 27.4 — hard to cash-flow at these prices.
• 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 Mosca, CO (81146)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 81146 Mosca
The 81146 ZIP covers a section of Mosca that demands careful diligence. Prices near $361K look accessible, but the work to make a deal cash flow is real.
Rent of $1,098/mo on a $361K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 81146 sits below the stated 0.0% once reality is priced in.
ZIP 81146's metrics run below Alamosa County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
The demographic picture in 81146 includes headwinds that any investor should price in. Income distribution skews lower than Mosca averages, and tenant stability requires active management.
New investors are better served looking at Mosca's stable or hybrid ZIPs before stepping into 81146. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Mosca:
Market Trends
Home Value History (with trend line)
📊 How Does 81146 Compare?
| Metric | 81146 | Mosca | Colorado |
|---|---|---|---|
| Home Value | $361,475 | $361,475 | $535,778 |
| 5-Year CAGR | 6.4% | 6.4% | 4.9% |
| Avg Rent | $1,098 | $1,098 | - |
| Cap Rate | 2.4% | 2.4% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 81146 (Mosca, CO). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 81146 (Mosca, CO)?
~25 seconds · no account needed · your report is anonymous
📊 Market Snapshot
| Home Value | $361,475 |
| Monthly Rent | $1,098 |
| Price-to-Rent | 27.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.7% |
| Cap Rate | 2.4% |
| 5-Year IRR | 8.8% |
📈 Home Appreciation
| 1-Year | +5.6% ▲ |
| 3-Year CAGR | +3.5% ▲ |
| 5-Year CAGR | +6.4% ▲ |
| 10-Year CAGR | +7.9% ▲ |
🏠 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 (2.4%). 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 81146
Population: 779
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 81146
Schools in This ZIP Code
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 real estate strategy is ideal for Mosca, CO?
The best-fit strategy in Mosca, CO is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
What is the median home value in Mosca, CO?
Mosca, CO home values average about $361K. That price point suits investors targeting rentals with $1,098/mo in monthly income.
What monthly rent should investors expect in Mosca, CO?
Rents in Mosca, CO run near $1,098/mo. Compared with median home prices of $361K that produces solid gross yields for typical rentals.
Is Mosca, CO good for house hacking?
Mosca, CO is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $361K price point reasonable to enter.
What is the investability score for Mosca, CO?
The 3.0/5 investability rating in Mosca, CO reflects its $361K prices and $1,098/mo rents. Investors generally consider it a solid option within CO.
You know 81146 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 81146 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.
AI Market Advisor
Ask questions about investing in 81146 (Mosca)
Community Ratings
What people who’ve spent time here actually say. Not paid reviews.
Be the first to rate 81146 (Mosca, CO).
It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.