ZIP Code 81003 — Pueblo, CO Home Prices (2026)
The typical home in ZIP 81003 (Pueblo, Colorado) is worth about $206,000 at roughly $174 per square foot — 30% more affordable than the Pueblo median and 30% more affordable than the typical U.S. home.
How 81003 compares
ZIP 81003 is one of the more affordable ZIP codes in Pueblo: its typical home value of $206,000 ranks #6 of the 7 Pueblo ZIP codes we track (the citywide range runs from $198,000 in 81004 to $398,000 in 81007). Per square foot it costs about $174, against $186 for Pueblo as a whole, $273 for Colorado, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 81003 | $206,000 | $174 |
| Pueblo, CO | $293,000 | $186 |
| Colorado | $500,000 | $273 |
| United States | $294,000 | $195 |
Home value by size in 81003
Using this ZIP’s rate of about $174 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $174,000 |
| 1,500 sq ft | $261,000 |
| 2,000 sq ft | $348,000 |
| 2,500 sq ft | $435,000 |
| 3,000 sq ft | $522,000 |
Salary needed to buy a home in ZIP 81003
To buy the typical $206,000 home in ZIP 81003 with 20% down, you need a household income of roughly $56,000 a year (about $1,310 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $67,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,300 | $1,630/mo | $70,000/yr |
| 10% (+PMI) | $20,600 | $1,550/mo | $67,000/yr |
| 20% | $41,200 | $1,310/mo | $56,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 81003
At about $174 per square foot, here is roughly how much home different budgets get you in ZIP 81003:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 860 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1150 sq ft | around the typical home here |
| $250k | 1440 sq ft | around the typical home here |
| $300k | 1720 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2300 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 81003 home.
Estimate a specific home in 81003
The estimator below is pre-set to ZIP 81003 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Pueblo ZIP codes by home value
Where 81003 sits among Pueblo’s 7 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 81007 | $398,000 | $192 |
| 2 | 81006 | $330,000 | $205 |
| 3 | 81008 | $318,000 | $186 |
| 4 | 81005 | $293,000 | $187 |
| 5 | 81001 | $221,000 | $162 |
| 6 | 81003 (this page) | $206,000 | $174 |
| 7 | 81004 | $198,000 | $167 |
ZIP 81003 home prices: frequently asked
What is the average home price in ZIP code 81003? +
What is the price per square foot in 81003? +
What salary do you need to buy a house in ZIP 81003? +
Is 81003 an expensive ZIP code? +
See the full Pueblo home values page, all Colorado cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.