Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.
Buyer / sellerbuyer-timing lens
Seller's Market
Needs 9.6% correction for affordability
DOM: 51d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)10
Supply & Demand (20%)0
Buy vs Rent (15%)50
Cancellation Rate (10%)0
Days on Market (5%)60
Seller-favored market in 80221. Expect to pay at or near list price. Payment burden: 32.8% of median income. Median days on market: 51. Renting is approximately 38% cheaper than buying (price-to-rent ratio: 16.6).
Buyer Caution
Seller's market. Be prepared to pay near list price.
Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.
COOLINGSELLER SLIGHT
Market is cooling with expanding inventory. Sellers hold a slight edge. Prices down 3.0% YoY.
Turnover Index · Coming soonLotvox Turnover Index did not beat random in backtest, so no score is published.
A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Adams.
Aggregate median +1.0% YoY in Adams, CO (county), but the under-$500k tier is -0.4% — the rise is mix shift, not appreciation. Over the same year the under-$500k share of sales moved from 54.1% to 52.7% (-1.4pp) and the $1M+ share from 2.8% to 2.6% (-0.2pp).
Current tiers · 12 months to Aug 25floor 10 sales/tier
3 tiers had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row.
Tier
Median
$/sqft
Sales
Share
Source
Under $250k
$226k
$236
12
3.8%
ZIP
$250k–$500k
$425k
$403
156
50.0%
ZIP
$500k–$750k
$563k
$441
108
34.6%
ZIP
$750k–$1M
$830k
$378
26
8.3%
ZIP
$1M–$1.5M
$1.20M
$515
187
—
COUNTY · Denver, CO
$1.5M–$2M
$1.65M
$531
44
—
COUNTY · Denver, CO
$2M+
$2.64M
$730
31
—
COUNTY · Denver, CO
All sales (the headline median)
$484k
$408
312
100%
ZIP
ZIP-level history was too thin to draw the tiers; served at county level (Adams, CO), by quarter.
Share of sales by tier (quarterly)
If the upper tiers widen over time, the headline median rises on composition alone.
Under $250k
$250k–$500k
$500k–$750k
$750k–$1M
$1M–$1.5M
$1.5M–$2M
$2M+
Median within each tier, against the headline median (quarterly)
The blue line is the single number NAR-style reporting quotes. The gold lines are what each tier actually did. Log scale — the tiers span an order of magnitude, and on a log axis equal slopes mean equal percentage moves, which is the comparison being made.
Under $250k
$250k–$500k
$500k–$750k
$750k–$1M
$1M–$1.5M
$2M+
All sales (headline)
National context — not local
NAR's aggregate existing-home median for the United States and the West census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 80221.
United States
West
Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.
Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.
Adams County contextmacro · jobs · debt · migration
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.
This ZIP code crosses county lines. Property data shows Adams (83%) and Denver (17%). County metrics below are shown separately for each county.
Adams (83%)
Denver (17%)
ZIP 80221→2 counties
12-Month Direction
-8Stable
Confidence
100%
DeterioratingStableImproving
BuildersLens Market Intelligence
Market Score
41· Weak
Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.
Payment Burden45
32.8%
stretched
Source: Lotvox · Updated 2026-05-15
Buy vs Rent8
1.881x
rent advantage
Source: Lotvox · Updated 2026-05-15
Valuation19
+64%
overvalued
Source: Lotvox comps · Updated 2026-05-15
Supply/Demand5
2.7 mo
balanced
Source: Lotvox MLS · Updated 2026-05-15
Insurance Risk
32/100
moderate
Source: FEMA/NFIP · Updated 2026-04
County distress indicators
ECONOMIC INDICATORS
Economic indicators are mixed relative to comparable U.S. counties.
Unemployment Rate
4.7%
CO 3.8%US 4.4%
Near national averages
Source: BLS LAUS · 2026-0667d ago
Poverty Rate
9.7%
CO 9.4%US 12.6%
Lower than most U.S. counties
Median Household Income
$91,387
CO $94,510US $82,006
Higher than most U.S. counties
Cost of Living (RPP)
112.5
CO 111.8US 100.3
Higher than many comparable counties
Home Value (ZHVI)$488,788
County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA · Coverage derived from property records · Counties with <2% coverage excluded as likely data errors
