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
Balanced Market
Needs 11.2% correction for affordability
DOM: 156d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)10
Supply & Demand (20%)20
Buy vs Rent (15%)100
Cancellation Rate (10%)100
Days on Market (5%)100
Balanced market in 80540. List price is roughly fair — focus on condition and value. Payment burden: 33.9% of median income. Median days on market: 156. Renting is approximately 212% cheaper than buying (price-to-rent ratio: 37.4).
Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
STABLEBUYER ADVANTAGE
Market is holding steady with balanced conditions. Buyers have strong negotiating leverage. Prices down 1.6% YoY.
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Boulder County contextmacro · jobs · debt · migration
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.
County Coverage (2 counties)
ZIP 80540 spans 2 counties
Healthy (22)
This ZIP code crosses county lines. Property data shows Boulder (70.8%) and Larimer (29.2%). County metrics below are shown separately for each county.
Boulder (70.8%)
Larimer (29.2%)
ZIP 80540→2 counties
Boulder County 70.8%Larimer County 29.2%
12-Month Direction
-9Stable
Confidence
100%
DeterioratingStableImproving
Why this score
BuildersLens Market Intelligence
Market Score
36· 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.
Economic indicators are mixed relative to comparable U.S. counties.
Unemployment Rate
3.6%
CO 3.8%US 4.4%
Near national averages
Source: BLS LAUS · 2026-0540d ago
Poverty Rate
11.0%
CO 9.4%US 12.6%
Near national averages
Median Household Income
$102,772
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)$713,638
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