The story of this market
The typical home in ZIP 81045 sells for about $245,000, or $168 per square foot.
Prices are up +2.4% from a year ago, so sellers still have some momentum. Homes take about 42 days to sell. HUD's fair market rent for a two-bedroom is $1,150 a month.
ZIP 81045 — Haswell
The housing market in 81045 remains stable with modest price appreciation driven by limited inventory and steady demand from buyers seeking rural affordability. While sales volume is low, the market is balanced, reflecting a lack of speculative pressure and a focus on long-term residential occupancy.
This ZIP is best suited for retirees, remote workers, and those seeking a quiet, rural lifestyle with affordable entry-level pricing compared to the Front Range.
Median prices moved up 2.4% year over year.
Homes spend a median of 42 days on market with 3.6 months of supply — a fast-moving market.
12% of listings have cut prices · homes sell at 98.2% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.2% · poverty 11.8% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 81045, Huerfano County CO
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in the area are generally low and stable, consistent with rural Huerfano County trends and significantly lower than major Colorado urban centers.
Schools serving the area are part of the Huerfano School District RE-1, which provides small class sizes and a rural educational environment.
The area faces moderate wildfire risk typical of Southern Colorado's high-plains and foothills interface, requiring standard fire-mitigation practices for property owners.
Economic momentum is driven by local agriculture, tourism, and small-scale service industries, with limited large-scale industrial development.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Colorado) — Statutory Agricultural Land Reclassification and Improvement Valuation: Under C.R.S. § 39-1-102(1.6)(a)(I), up to two acres of land directly underlying a residential improvement on agricultural parcels are segregated and assessed at residential rates (6.80% / 7. State (Colorado) — Senior and Disabled Veteran Property Tax Homestead Exemption: Exempts 50% of the first $200,000 of actual market value of the qualifying primary residential parcel from property taxation (a maximum actual value deduction of $100,000). State (Colorado) — Colorado Split Residential Property Tax Assessment Rate Structure: Imposes annual ad valorem property taxes determined using a bifurcated assessment rate system. Assessed Value = Actual (Market) Value × Assessment Rate. Beginning for tax years 2025/2026, residential property is assessed at 6.
Commuting is primarily car-dependent, with residents traveling to Walsenburg or Pueblo for major employment and retail services.
The area offers immediate access to outdoor recreation including hiking, fishing, and proximity to Lathrop State Park and the Spanish Peaks.
The rental market is characterized by low inventory and high demand for long-term housing, with limited short-term rental saturation compared to mountain resort towns.
The local economy is anchored by agriculture, public sector employment, and a growing tourism sector focused on outdoor recreation.
Transportation is dominated by I-25 and US-160, serving as the primary corridors for regional transit and logistics.
Development is largely focused on small-scale residential infill and rural land development rather than large-scale commercial projects.
The Huerfano County Assessor maintains property valuations based on biennial reappraisal cycles in accordance with Colorado state law.
Parcels are subject to Huerfano County property taxes, Huerfano School District RE-1 levies, and various local fire protection district assessments.
Property insurance premiums are rising due to regional wildfire risk, necessitating proactive mitigation and shopping for specialized carriers.
Colorado continues to see net positive domestic migration, though rural areas like Huerfano experience more modest growth compared to the Denver Metro.
Colorado is a public trustee state, utilizing a non-judicial foreclosure process with specific notice and cure periods for homeowners.
Sellers are required to provide a comprehensive property disclosure form covering known material defects at the time of listing.
Data retrieved from data.census.gov ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Colorado's first state park, offering two lakes and extensive hiking trails.
Iconic geological formations providing a backdrop for outdoor recreation.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.