Real Estate Investing in Naturita, Colorado (81422)

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

Montrose County • Population: 520 • Data updated: September 2026

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Should you buy in 81422 (Naturita, CO)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (50/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 21.8% of homes vacant — above national norms.
  • Lower household income: $25,278 median — tenant affordability is tighter.

• 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 Naturita, CO (81422)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $215,557
Avg Monthly Rent $936
1% Rule ✗ Does Not Meet
Median Income $25,278
% Renters 21.6%

Market Analysis: 81422 Naturita

This part of Montrose County is not an easy win. The 81422 ZIP records softness in key indicators, and the playbook that works in cleaner markets often stalls here.

Distressed markets are won on execution, not on spreadsheets. ZIP 81422 posts the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

The gap between 81422 and stronger Naturita ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

A solid renter share of 22% in 81422 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Strategy in 81422 is an operator game, not a passive one. On the rental side, entry prices of $216K 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 Naturita:

C Below Average
Buy Confidence Score: 53/100
Affordability
0/25
Appreciation
25/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 8.5× the median income
Value Trend
Rising (+6.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $936/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Montrose, CO Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.4%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Montrose, CO metro data

Market Trends

Home Value History (with trend line)

$226K$195K$165K$134K$103K$72KJul 2006Jul 2016Jul 2026

📊 How Does 81422 Compare?

Metric 81422 Naturita Montrose, CO Colorado
Home Value $215,557 $215,557 N/A $535,778
5-Year CAGR 8.7% 8.7% N/A 4.9%
Avg Rent $936 $936 N/A -
Cap Rate 3.4% 3.4% - -
💡 Why Invest in 81422? Click to expand

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

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 81422 (Naturita, CO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.4%
Low
5yr Growth
+8.7%
Strong

📉 Market Crash Risk Index

Based on Montrose, CO metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
66%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $215,557
Monthly Rent $936
Price-to-Rent 19.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.2%
Cap Rate 3.4%
5-Year IRR 12.1%

📈 Home Appreciation

1-Year +6.1% ▲
3-Year CAGR +5.7% ▲
5-Year CAGR +8.7% ▲
10-Year CAGR +7.3% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). 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.

Vacancy
21.8%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+8.7%
Growing
Eviction process: Moderate Rent control: Favorable

Demographics in 81422

Population: 520

💰 Median Household Income
$25,278
This area
$25,278
State
$79,719
USA
$74,580
🏠 Renter Occupied
21.6%
This area
21.6%
State
26.4%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-25.8%
USA
3.7%
🎓 College Educated
8.7%
This area
8.7%
State
5.8%
USA
33.7%
👤 Median Age
55.0 years
This area
55.0 years
State
-0.1 years
USA
38.9 years
🏚️ Vacancy Rate
21.8%
This area
21.8%
State
18.7%
USA
10.5%
👥 Population by Ethnicity
White 99.4%
Other/Mixed 0.6%
Hispanic/Latino 0.4%
👶 Under 18
17.5%
This area
17.5%
USA
22.0%
👴 65 and Over
25.5%
This area
25.5%
USA
17.3%
📊 Poverty Rate
14.4%
This area
14.4%
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 81422

A Avg School Grade
1 Schools
17.0:1 Avg Class Size
$26,188 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Naturita Elementary School

📚 Pre-K – 06 School
👥
162 Students
👨‍🏫
17.0:1 Class Size
💰
$26,188 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

How do home values compare in Naturita, CO?

Homes in Naturita, CO typically sell near $216K. Prices have moved at a 0.0% 5-year CAGR, which stable long-term demand.

How do experienced investors play Naturita, CO?

The best-fit strategy in Naturita, CO is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

What is the typical rental rate in Naturita, CO?

The typical rental in Naturita, CO commands about $936/mo monthly. That rent profile measured cash flow against the $216K purchase basis.

Does Naturita, CO favor landlords or tenants?

Naturita, CO operates under CO law, which is landlord-friendly overall for landlords. Expect consistent treatment in typical lease and eviction cases.

Does Naturita, CO make sense for an investment property?

With a 3.0/5 investability score, Naturita, CO ranks as a solid market for rental property investors. Median prices of $216K and rents of $936/mo drive the underlying numbers.

You know 81422 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 81422 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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How 81422 ranks in Montrose, CO

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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