Silver Cliff, Colorado.
Typical home $311,424 (-3.1% in a year).
to buy the typical home at today's mortgage rate — +$843 (+107%) since Jan 2020.
- 1 year
- Down $10,066 -3%
- $321,490$311,424 since Sep 2025
- 5 years
- Up $39,775 +15%
- $271,649$311,424 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Silver Cliff$1,635
- Colorado$2,777
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 25 years.
Typical home values in Silver Cliff, CO fell 3.1% over the past year — slower than the nation's +1.2%.
Living in Silver Cliff, Custer County, Colorado
Silver Cliff is a town of 609 people in Custer County. Unemployment in Custer County was 4.5% in August 2026, and the county had 1.0% more jobs in 2025 than the year before. The most people in Custer County work in schools and health care, then construction.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Silver Cliff is a very small town in Custer County, Colorado, with a population that makes everyone's business well known to one another. Winters are cold and snowy, and summers are mild rather than hot, with a fairly dry climate overall. Incomes in the county are below what is typical across the state, and a good share of residents live below the poverty line. Homes are worth more than the town's incomes might suggest, and relatively few adults hold a four-year degree.
Work. Many residents work in schools, hospitals and social care, followed by the building trades, professional and business services, and shops. Across Custer County, the largest workplaces are the county school district and PAY and Save. Unemployment across the county is higher than it was a year ago, though the number of jobs has grown slightly.
Things to do. DeWeese Reservoir is a short drive away and is the nearest spot for time on the water. Farther afield, a longer drive brings you to Great Sand Dunes National Park and Preserve, and to San Isabel National Forest, a large protected area of mountain country. Lake Isabel, also a longer drive away, offers a quiet lake setting.
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- 376households
- 16%of adults have a degree
- 20%below the poverty line
What people in Custer County work in
Employed residents by industry, from the Census survey. Custer County had 1,029 jobs in 2025, 1.0% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 40° and lows near 8°; warmest in July, with highs near 81° and lows near 45°. About 84 inches of snow and 14 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Westcliffe weather station, 4 miles away (NOAA).
Largest workplaces in Custer County
- Custer County School District Consolidate 1School district68FTE
- PAY and SaveGrocery stores36
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 1 workplace with 20 or more staff, 36 people in all across the county; Silver Cliff has two of its own. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningVery high
- WildfireRelatively high
- Winter weatherRelatively high
- LandslidesRelatively moderate
- DroughtRelatively moderate
- HailRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Silver Cliff’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Custer County.
Silver Cliff home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Silver Cliff$311,424
- Colorado$529,013
- United States$366,157
Sellers are cutting prices on about 1 in 5 Silver Cliff listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Silver Cliff22.17%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Silver Cliff21
Zip codes with a Silver Cliff address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Silver Cliff — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.