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ZIP Code · CO

ZIP 81321

Part of Cortez, CO
Pop. 14,236·Montezuma County·125th most expensive ZIP in Colorado
Median rent (all units)
$1,725/mo
Year-over-Year
+8.4%
Month-over-Month
+8.3%
vs US Median
-$240
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 81321 · $1,725
More affordable than 57% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$870
1 BR
$930
2 BR
$1,210
3 BR
$1,610
4 BR+
$1,900
Research median
$1,210/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$20,700/yr
At $1,725/mo median
Location
CityCortez
StateCO
CountyMontezuma County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 8.4% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+8.4% YoY, +8.3% MoM), not inventory.
Demographics

Who lives here

ZIP 81321 (Cortez, CO) is majority owner-occupied, has a large retiree population, has a median income below the national average, 26.4% of residents hold a bachelor's degree or higher.

Population
14,236
Median income
$59,506
Median age
41.8
Renters
25.4%
Age distribution
21.2%
19.3%
23.2%
13.6%
22.7%
Under 1821.2%
18–3419.3%
35–5423.2%
55–6413.6%
65+22.7%
Gender
49%
51%
Male49%
Female51%
Race & ethnicity
74.7%
14.7%
White74.7%
Hispanic14.7%
Asian0.5%
Other10%
Education (25+)
33.2%
31.2%
26.4%
No HS diploma9.3%
HS diploma33.2%
Some college31.2%
Bachelor's+26.4%
Housing tenure
74.6%
25.4%
Owner74.6%
Renter25.4%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 81321 in Cortez, CO has changed in 5 years

Income
$57,929 → $59,506
up 2.7%
Population
15,050 → 14,236
down 5.4%
Renter share
30.8% → 25.4%
-5.4 pts
Bachelor's+
27% → 26.4%
-0.6 pts
Median age
42.8 → 41.8
-1.0 yrs

Median household income climbed from $57,929 to $59,506 between 2021 and 2024, a 2.7% shift. Census counts show ZIP 81321 in Cortez, CO losing about 814 residents over the five-year window, down 5.4% on net. The renter share has eased from 30.8% to 25.4%, with owner-occupied housing accounting for the remainder.

Community

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Local insights

Tips for renters in ZIP 81321

About renting in ZIP 81321

Last updated: July 20, 2026

ZIP code 81321 covers Cortez, CO. The median rent here is $1,725/mo as of July 2026. A 1-bedroom rents for a median of $930/mo. A 2-bedroom rents for a median of $1,210/mo.

At 35% of local median household income ($59,506/yr), ZIP 81321 ranks as moderate compared to the national benchmark of 30%. Rents have increased 8.4% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 81321?

As of July 20, 2026, the median monthly rent in ZIP 81321 (Cortez, CO) is $1,725. This is based on aggregated data from public sources and community submissions.

How does ZIP 81321 rent compare to the US average?

ZIP 81321's median rent of $1,725/mo is $240 (12%) below the US national median of $1,965/mo.

How does ZIP 81321 compare to other ZIPs in Colorado?

ZIP 81321 is among the more affordable ZIP codes in Colorado, ranking #125 out of 166 ZIPs at $1,725/mo.

How much income do you need to rent in ZIP 81321?

To keep rent at or below 30% of gross income, you would need to earn at least $69,000/year (~$33/hour full-time) to afford the median rent of $1,725/mo in ZIP 81321. The local median household income is $59,506/yr, meaning the typical household falls short of that threshold.

Is rent going up or down in ZIP 81321?

Rent in ZIP 81321 has increased 8.4% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 81321 an affordable place to rent?

ZIP 81321 is considered moderate for renters. At $1,725/mo, rent takes approximately 35% of the local median household income ($59,506/yr). The standard benchmark is 30%. ZIP 81321 slightly exceeds that threshold, so budgeting carefully matters here.

What percentage of ZIP 81321 residents rent vs. own?

According to Census data, approximately 25.4% of ZIP 81321 households are renters, while 74.6% are owner-occupied. ZIP 81321 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 81321 compare to the rest of Cortez?

ZIP 81321 is pricier than Cortez as a whole. At $1,725/mo, it's $158 above the Cortez citywide median of $1,567/mo.

When was rent data for ZIP 81321 last updated?

Rent data for ZIP 81321 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
35%
MODERATE

At $1,725/mo, rent takes ~35% of ZIP 81321's median household income ($59,506/yr). The standard benchmark is 30%.

ZIP 81321 35%Benchmark 30%
State income tax4.4%
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Public schools near ZIP 81321 (Cortez, CO)

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