Real Estate Investing in Loma, Colorado (81524)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 81524 (Loma, 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.
- Elevated vacancy: 11.6% vacancy may signal weakening demand.
- High price-to-rent: Price-to-rent ratio 41.0 — 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 Loma, CO (81524)?
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Market Analysis: 81524 Loma
Investors eyeing 81524 need to respect the fundamentals at play. Home values of $664K come alongside slower price movement and elevated management overhead.
From an investor standpoint, the numbers look inviting — $664K purchase price, 0.0% nominal cap — the work to hit that pro forma in 81524 is substantial and deserves full respect.
In the broader CO picture, 81524 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
Put differently, 2,556 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.
New investors are better served looking at Loma's stable or hybrid ZIPs before stepping into 81524. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Loma:
Property Strategy for 81524
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $503,537 | $1,500 | 2.1% | — | $251,769 |
| 3BR | $598,634 | $2,080 | 2.5% | +8.0% | $199,545 |
| 4BR | $761,446 | $2,500 | 2.4% | +7.4% | $190,362 |
Market Trends
Home Value History (with trend line)
📊 How Does 81524 Compare?
| Metric | 81524 | Loma | Grand Junction, CO | Colorado |
|---|---|---|---|---|
| Home Value | $664,498 | $664,498 | N/A | $535,778 |
| 5-Year CAGR | 5.0% | 5.0% | N/A | 4.9% |
| Avg Rent | $1,350 | $1,350 | N/A | - |
| Cap Rate | 1.6% | 1.6% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 81524 (Loma, CO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $664,498 |
| Monthly Rent | $1,350 |
| Price-to-Rent | 41.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.4% |
| Cap Rate | 1.6% |
| 5-Year IRR | 6.6% |
📈 Home Appreciation
| 1-Year | +7.8% ▲ |
| 3-Year CAGR | +4.7% ▲ |
| 5-Year CAGR | +5.0% ▲ |
| 10-Year CAGR | +7.7% ▲ |
🏠 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 (1.6%). 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 81524
Population: 2,556
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 81524
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 strategy should investors use in Loma, CO?
For Loma, CO, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
Is housing expensive in Loma, CO?
In Loma, CO the median home value sits at $664K. Against the broader CO market, that reads as reasonable for most investors.
Should investors consider Loma, CO?
Our data puts Loma, CO at 3.0/5 for investability. Home prices of $664K and rents around $1,350/mo create a solid backdrop for investor activity.
Do landlords face vacancy issues in Loma, CO?
Vacancy in Loma, CO is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,350/mo.
What does house hacking look like in Loma, CO?
Loma, CO is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $664K price point reasonable to enter.
You know 81524 now. You don’t know where it ranks.
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How 81524 ranks in Grand Junction, CO
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