Real Estate Investing in Hotchkiss, Colorado (81410)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 81410 (Hotchkiss, CO)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High price-to-rent: Price-to-rent ratio 34.0 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Hotchkiss, CO (81410)?
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Market Analysis: 81410 Hotchkiss
The 81410 ZIP covers a section of Hotchkiss that demands careful diligence. Prices near $407K look accessible, but the work to make a deal cash flow is real.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 81410 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Within CO, ZIP 81410 trails on several market indicators that neighboring Delta County submarkets outperform. The gap is real and solid enough to shape underwriting.
Demographically, 81410 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.
Strategically, 81410 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Hotchkiss:
Market Trends
Home Value History (with trend line)
📊 How Does 81410 Compare?
| Metric | 81410 | Hotchkiss | Colorado |
|---|---|---|---|
| Home Value | $406,986 | $441,357 | $535,778 |
| 5-Year CAGR | 5.2% | 4.5% | 4.9% |
| Avg Rent | $999 | $1,008 | - |
| Cap Rate | 1.9% | 1.8% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 81410 (Hotchkiss, CO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $406,986 |
| Monthly Rent | $999 |
| Price-to-Rent | 34.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.0% |
| Cap Rate | 1.9% |
| 5-Year IRR | 7.1% |
📈 Home Appreciation
| 1-Year | +5.0% ▲ |
| 3-Year CAGR | +3.7% ▲ |
| 5-Year CAGR | +5.2% ▲ |
| 10-Year CAGR | +7.8% ▲ |
🏠 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 (1.9%). 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 81410
Population: 1,557
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
🎓 Nearby Colleges & Universities
Frequently Asked Questions
How do home values compare in Hotchkiss, CO?
Homes in Hotchkiss, CO typically sell near $407K. Prices have moved at a 0.0% 5-year CAGR, which steady long-term demand.
Is Hotchkiss, CO good for house hacking?
The house hack math a challenging in Hotchkiss, CO. Owner-occupant buyers benefit from the $999/mo rents and $407K home values.
Which real estate strategy fits Hotchkiss, CO?
The best-fit strategy in Hotchkiss, CO is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
What kind of market is Hotchkiss, CO for investors?
Investors tracking Hotchkiss, CO will find a 3.0/5 rating supported by $407K median home values and $999/mo rents. That profile suits long-term holders targeting predictable returns.
What is the tenant pool like in Hotchkiss, CO?
The tenant pool in Hotchkiss, CO is solid, supported by local employment and population fundamentals. Rents of $999/mo are well-absorbed by the market.
You know 81410 now. You don’t know where it ranks.
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