Home values, rents and more in ZIP code 81040 (Gardner, CO)
September 2026 figures from Zillow and the U.S. Census Bureau · updated 2026-11-07
Open 81040 in ProMap- Under $210k
- $210k–$300k
- $300k–$330k
- $330k–$370k
- $370k+
- No data
How 81040 compares
The typical home in ZIP code 81040 (Gardner, CO) is worth about $302,000, according to the Zillow Home Value Index for September 2026. Home values in 81040 are 43% below the typical value in Colorado ($529,000) and 17% below the U.S. typical value ($366,000).
Over the past year, home values in 81040 fell 3.9%, compared with −1.3% in Colorado and +1.2% nationally.
The median household income is $30,978, against $95,470 in Colorado and $80,734 in the U.S. (Census Bureau, American Community Survey 2020–24).
About 360 people live in 81040 (American Community Survey 2020–24).
81040 has the 69th-lowest typical home value of the 415 ZIP codes in Colorado with Zillow figures.
Part of: Gardner, CO · Huerfano County, CO · Colorado
More for 81040 in ProMap Plus
These measures are on the map for subscribers. Open ProMap to see them for 81040 and every other place.
- 5- and 10-year price changes
- Days on market and months of supply
- Price cuts and sale-to-list ratio
- Price-to-income and monthly cost to buy
- Zillow 12-month price forecast
- Crime rates
- School test scores
- Homeowners insurance premiums
- Commute time to downtown
- Flood, wildfire and natural hazard risk
- Property-tax rate
- 2024 presidential vote
- Age, education and household make-up
- Amenities and transit nearby
Nearby ZIP codes
Sources
Home values: Zillow Home Value Index (ZHVI), all homes, middle tier, smoothed and seasonally adjusted, September 2026. Rents: Zillow Observed Rent Index (ZORI), seasonally adjusted. Population: Census population estimates (July 2025) for states, metros and counties; ACS 2020–24 for cities and ZIP codes. Income: U.S. Census Bureau, ACS 2020–24 5-year estimates. Boundaries: U.S. Census Bureau cartographic boundary files. Compiled by Home Economics.
"Typical" is Zillow's middle-tier value (homes between the 35th and 65th percentiles), not a median sale price. Changes are over the 12 months to September 2026.