Real Estate Investing in Craig, Colorado (81625)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 81625 (Craig, 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.
- High vacancy: 12.6% of homes vacant — above national norms.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Craig, CO (81625)?
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Market Analysis: 81625 Craig
This part of Moffat County is not an easy win. The 81625 ZIP posts softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 81625 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
In the broader CO picture, 81625 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
Put differently, 12,242 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 Craig's stable or hybrid ZIPs before stepping into 81625. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Craig:
Property Strategy for 81625
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $210,457 | $1,710 | 5.9% | +8.8% | $105,228 |
| 3BR | $309,951 | $2,060 | 4.8% | +8.9% | $103,317 |
| 4BR | $377,735 | $2,730 | 5.2% | +8.1% | $94,434 |
| 5BR | $441,940 | — | — | +7.1% | $88,388 |
Market Trends
Home Value History (with trend line)
📊 How Does 81625 Compare?
| Metric | 81625 | Craig | Craig, CO | Colorado |
|---|---|---|---|---|
| Home Value | $311,987 | $311,987 | N/A | $535,778 |
| 5-Year CAGR | 7.0% | 7.0% | N/A | 4.9% |
| Avg Rent | $1,539 | $1,539 | N/A | - |
| Cap Rate | 3.9% | 3.9% | - | - |
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 81625 (Craig, CO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $311,987 |
| Monthly Rent | $1,539 |
| Price-to-Rent | 16.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.9% |
| Cap Rate | 3.9% |
| 5-Year IRR | 10.8% |
📈 Home Appreciation
| 1-Year | +3.1% ▲ |
| 3-Year CAGR | +3.3% ▲ |
| 5-Year CAGR | +7.0% ▲ |
| 10-Year CAGR | +6.7% ▲ |
🏠 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 (3.9%). 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 81625
Population: 12,242
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 81625
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 kind of vacancy should I budget for in Craig, CO?
Occupancy in Craig, CO runs reliable with elevated vacancy. Well-priced units at $1,539/mo lease on reasonable timelines.
What is the average monthly rent in Craig, CO?
Rent in Craig, CO is around $1,539/mo. The resulting rent-to-value relationship with $312K pricing is reasonable for most investor models.
What is the smart move for investors in Craig, CO?
In Craig, CO the impressive play is typically careful cash-flow rentals with hands-on management. The combination of $312K prices and $1,539/mo rents suits that approach.
Can I house hack in Craig, CO?
Craig, CO offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,539/mo rent level.
Is real estate in Craig, CO a good investment right now?
Craig, CO scores 3.0/5 for investability. Home values sit at $312K and rents near $1,539/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
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