ZIP 81623 vs ZIP 81642

81623 is one of 7 ZIP codes that lie mostly in Pitkin County, CO — 54% of its own area is in the county.

Shaded by typical home value, it ranks 5 of the 6 with a value.

Mapped in and around 81623: 178 places to go — 100 trails, 24 arts & venues, 22 dining.

7 school locations in 81623: 1 elementary, 3 middle, 3 high.

In alphabetical order: Bridges, Carbondale Community Charter School, Carbondale Middle School, Crystal River Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

81642 is one of 7 ZIP codes that lie mostly in Pitkin County, CO.

Shaded by typical home value, it ranks 6 of the 6 with a value.

Mapped in and around 81642: 31 places to go — 15 day trips, 10 trails, 6 arts & venues.

In January 2000 the typical home in 81623 was worth $236,731.

Values peaked at $1,383,216 in August 2026. The latest reading is the peak.

As of August 2026: $1,383,216, +5.4% over twelve months.

Start with the typical home: $1,383,216. Put 20% down and borrow $1,106,573 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $7,662 a month in principal and interest.

The median household here earns $98,549 a year, $8,212 a month. So the payment takes 93.3% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 16.0% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,417.

In December 2020, with rates at 2.68%, it was $2,513.

By August 2026, at 6.67%, it was $7,116 — +183% since December 2020, while the home's value moved +78%.

Reported values rose +484% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $467,213. So the real change is +196%, not +484%.

81623: +484% since January 2000.

Pitkin County: +310% since January 2000.

Colorado: +199% since January 2000 — 81623 ran ahead of it by 286 points.

Owning the typical home costs about $9,045 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,726 a month.

Price divided by a year's rent: 30.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In February 2021 the typical home in 81642 was worth $547,856.

Values peaked at $787,330 in August 2026. The latest reading is the peak.

As of August 2026: $787,330, +9.5% over twelve months.

Start with the typical home: $787,330. Put 20% down and borrow $629,864 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,361 a month in principal and interest.

The median household here earns $96,123 a year, $8,010 a month. So the payment takes 54.4% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 37.9% in 2021.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2021 (2.81%) the payment was $1,803.

In February 2021, with rates at 2.81%, it was $1,803.

By August 2026, at 6.67%, it was $4,051 — +125% since February 2021, while the home's value moved +44%.

Reported values rose +44% since February 2021.

General prices (CPI-U) rose +27% over the same span.

Divide one by the other: in August 2026 dollars, the 2021 home was worth $694,500. So the real change is +13%, not +44%.

81642: +44% since February 2021.

Pitkin County: +73% since February 2021.

Colorado: +18% since February 2021 — 81642 ran ahead of it by 25 points.

Owning the typical home costs about $5,148 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,004 a month.

Price divided by a year's rent: 32.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 29 a month (Redfin, 3-month rolling data through August 2026). That is 74% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 103. That is 60% of the 2015–2019 level for the same months.

Going out — closed sales: about 20 a month. That is 71% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 5.2 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 9 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 20 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 25 — so sales ran at 80% of it, and below it in 19 of the last 24 months.

Across Pitkin County, builders pulled permits for 36 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Homes sold: about 0 a month in December 2021 (Redfin).

The 2015–2019 level for the same month was 0 — so sales ran at NaN% of it, and below it in 0 of the last 12 months.

Across Pitkin County, builders pulled permits for 36 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Pitkin County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 308 moved in. Among the ten receiving the most, 388 moved out.

Net across those counties: −80 households. Beside it, homes for sale in this ZIP: 103 in June 2026.

Most arrivals came from Eagle, CO (110 households); most departures went to Garfield, CO (163).

County assessor records list 499 properties with a market value here. Their average assessed market value is $856,700; the typical home value is $1,383,216.

The assessor average sits −38.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Pitkin County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 308 moved in. Among the ten receiving the most, 388 moved out.

Net across those counties: −80 households. Beside it, homes for sale in this ZIP: 1 in June 2026.

Most arrivals came from Eagle, CO (110 households); most departures went to Garfield, CO (163).

County assessor records list 76 properties with a market value here. Their average assessed market value is $380,850; the typical home value is $787,330.

The assessor average sits −51.6% from the market figure — an average against a typical value, so treat it as a check, not a verdict.