Real Estate Investing in Ophir, Colorado (81426)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 81426 (Ophir, CO)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- High vacancy: 27.5% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 57.6 — 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 Ophir, CO (81426)?
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Market Analysis: 81426 Ophir
ZIP 81426 in Ophir, CO carries a durable set of headwinds. Home values near $1.0M and rents of $1,485/mo sit inside a market where underwriting has to be tight.
Distressed markets are won on execution, not on spreadsheets. ZIP 81426 clocks in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
Regionally, 81426 sits on the difficult end of the CO spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.
The 81426 ZIP's population of 144 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that stands at the need for careful underwriting.
Strategically, 81426 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 Ophir:
Market Trends
Home Value History (with trend line)
📊 How Does 81426 Compare?
| Metric | 81426 | Ophir | Colorado |
|---|---|---|---|
| Home Value | $1,025,834 | $1,025,834 | $535,778 |
| 5-Year CAGR | 3.7% | 3.7% | 4.9% |
| Avg Rent | $1,485 | $1,485 | - |
| Cap Rate | 1.1% | 1.1% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 81426 (Ophir, CO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $1,025,834 |
| Monthly Rent | $1,485 |
| Price-to-Rent | 57.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 1.7% |
| Cap Rate | 1.1% |
| 5-Year IRR | 4.8% |
📈 Home Appreciation
| 1-Year | +6.7% ▲ |
| 3-Year CAGR | +1.2% ▲ |
| 5-Year CAGR | +3.7% ▲ |
| 10-Year CAGR | N/A |
🏠 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 (1.1%). 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 81426
Population: 144
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
How much does a house cost in Ophir, CO?
Homes in Ophir, CO typically sell near $1.0M. Prices have moved at a 0.0% 5-year CAGR, which stable long-term demand.
What kind of tenants rent in Ophir, CO?
Ophir, CO offers a even-keeled renter base at the $1,485/mo rent level. Tenant turnover is reasonable for well-managed properties.
What is the typical rental rate in Ophir, CO?
The typical rental in Ophir, CO commands about $1,485/mo monthly. That rent profile reliable cash flow against the $1.0M purchase basis.
How strong is Ophir, CO for real estate investors?
Ophir, CO scores 2.0/5 for investability. Home values sit at $1.0M and rents near $1,485/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
Does Ophir, CO favor landlords or tenants?
Ophir, CO operates under CO law, which is landlord-friendly overall for landlords. Expect measured treatment in typical lease and eviction cases.
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