Real Estate Investing in Somerset, Colorado (81434)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 81434 (Somerset, 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: 50.3% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 30.2 — 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 Somerset, CO (81434)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 81434 Somerset
This part of Gunnison County is not an easy win. The 81434 ZIP shows softness in key indicators, and the playbook that works in cleaner markets often stalls here.
The 81434 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
ZIP 81434's metrics run below Gunnison County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
Stepping back, 85 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
Strategically, 81434 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 Somerset:
Market Trends
Home Value History (with trend line)
📊 How Does 81434 Compare?
| Metric | 81434 | Somerset | Colorado |
|---|---|---|---|
| Home Value | $475,497 | $475,497 | $535,778 |
| 5-Year CAGR | N/A | N/A | 4.9% |
| Avg Rent | $1,314 | $1,314 | - |
| Cap Rate | 2.2% | 2.2% | - |
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 81434 (Somerset, CO). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 81434 (Somerset, CO)?
~25 seconds · no account needed · your report is anonymous
📊 Market Snapshot
| Home Value | $475,497 |
| Monthly Rent | $1,314 |
| Price-to-Rent | 30.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.3% |
| Cap Rate | 2.2% |
| 5-Year IRR | 0.9% |
📈 Home Appreciation
| 1-Year | -1.3% ▼ |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
| 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 (2.2%). 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 81434
Population: 85
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
What do rentals go for in Somerset, CO?
Somerset, CO rentals go for roughly $1,314/mo a month. That puts gross yield in solid territory relative to $475K acquisition costs.
Does Somerset, CO favor landlords or tenants?
For rental operators, Somerset, CO rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.
How much should I expect to pay for a home in Somerset, CO?
Somerset, CO home values average about $475K. That price point suits investors targeting rentals with $1,314/mo in monthly income.
How do experienced investors play Somerset, CO?
For Somerset, CO, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
How deep is the rental pool in Somerset, CO?
Somerset, CO draws a steady base of working renters. Demand at the $1,314/mo rent level is reasonable for standard single-family and small multi rentals.
You know 81434 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 81434 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 81434 (Somerset)
Community Ratings
What people who’ve spent time here actually say. Not paid reviews.
Be the first to rate 81434 (Somerset, CO).
It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.