ZIP 80003 vs ZIP 80232

80003 is one of 27 ZIP codes that lie mostly in Jefferson County, CO — 86% of its own area is in the county.

Shaded by typical home value, it ranks 22 of the 25 with a value.

Mapped in and around 80003: 63 places to go — 24 dining, 18 parks & open space, 12 day trips.

11 school locations in 80003: 6 elementary, 2 middle, 3 high.

In alphabetical order: Doral Academy of Colorado, Early College of Arvada, Hackberry Hill Elementary School, Little Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

80232 is one of 27 ZIP codes that lie mostly in Jefferson County, CO — 99% of its own area is in the county.

Shaded by typical home value, it ranks 23 of the 25 with a value.

Mapped in and around 80232: 51 places to go — 18 dining, 12 day trips, 10 parks & open space.

6 school locations in 80232: 2 elementary, 2 middle, 2 high.

In alphabetical order: Emory Elementary School, Irwin Preschool, JeffCo Remote Learning Program, Kendrick Lakes Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 80003 was worth $163,446.

Values peaked at $561,730 in July 2022. The latest reading is −7.5% from that peak.

As of August 2026: $519,742, −2.9% over twelve months.

Start with the typical home: $519,742. Put 20% down and borrow $415,794 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,879 a month in principal and interest.

The median household here earns $82,754 a year, $6,896 a month. So the payment takes 41.7% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 13.1% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $979.

In December 2020, with rates at 2.68%, it was $1,403.

By August 2026, at 6.67%, it was $2,674 — +91% since December 2020, while the home's value moved +20%.

Reported values rose +218% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $322,578. So the real change is +61%, not +218%.

80003: +218% since January 2000.

Jefferson County: +213% since January 2000.

Colorado: +199% since January 2000 — 80003 ran ahead of it by 19 points.

Against 476 Colorado ZIP codes, 80003 sits at the 32nd percentile for affordability (price vs local income).

9th for appreciation (recent value growth); 39th for rental yield (rent vs price).

Owning the typical home costs about $3,399 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,635 a month.

Price divided by a year's rent: 26.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 80232 was worth $161,994.

Values peaked at $568,919 in July 2022. The latest reading is −8.8% from that peak.

As of August 2026: $518,701, −2.7% over twelve months.

Start with the typical home: $518,701. Put 20% down and borrow $414,961 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,873 a month in principal and interest.

The median household here earns $87,799 a year, $7,317 a month. So the payment takes 39.3% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 12.3% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $970.

In December 2020, with rates at 2.68%, it was $1,424.

By August 2026, at 6.67%, it was $2,669 — +87% since December 2020, while the home's value moved +18%.

Reported values rose +220% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $319,712. So the real change is +62%, not +220%.

80232: +220% since January 2000.

Jefferson County: +213% since January 2000.

Colorado: +199% since January 2000 — 80232 ran ahead of it by 22 points.

Against 476 Colorado ZIP codes, 80232 sits at the 38th percentile for affordability (price vs local income).

11th for appreciation (recent value growth); 31st for rental yield (rent vs price).

Owning the typical home costs about $3,392 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,603 a month.

Price divided by a year's rent: 27.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 55 a month (Redfin, 3-month rolling data through August 2026). That is 72% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 137.

Going out — closed sales: about 38 a month. That is 56% of the 2015–2019 level for the same months. The drain is drawn 72% narrower: the share of homes for sale that sell each month is 28% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.6 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 17 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 38 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 61 — so sales ran at 62% of it, and below it in 24 of the last 24 months.

Across Jefferson County, builders pulled permits for 1,118 new homes in 2025.

Of those, 72% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 39 a month (Redfin, 3-month rolling data through August 2026). That is 87% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 72.

Going out — closed sales: about 31 a month. That is 75% of the 2015–2019 level for the same months. The drain is drawn 63% narrower: the share of homes for sale that sell each month is 37% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.3 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 8 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 31 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 39 — so sales ran at 79% of it, and below it in 22 of the last 24 months.

Across Jefferson County, builders pulled permits for 1,118 new homes in 2025.

Of those, 72% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Jefferson County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 16,902 moved in. Among the ten receiving the most, 15,755 moved out.

Net across those counties: +1,147 households. Beside it, homes for sale in this ZIP: 137 in June 2026.

Most arrivals came from Denver, CO (7,255 households); most departures went to Denver, CO (5,051).

County assessor records list 10,712 properties with a market value here. Their average assessed market value is $535,489; the typical home value is $519,742.

The assessor average sits +3.0% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 10,355 homes with a recorded purchase date, 21% have had the same owner for 20 years or more, and 32% changed hands in the last five.

22% are owned from a different mailing address, 3% from out of state.

This ZIP sits in Jefferson County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 16,902 moved in. Among the ten receiving the most, 15,755 moved out.

Net across those counties: +1,147 households. Beside it, homes for sale in this ZIP: 72 in June 2026.

Most arrivals came from Denver, CO (7,255 households); most departures went to Denver, CO (5,051).

County assessor records list 7,832 properties with a market value here. Their average assessed market value is $528,659; the typical home value is $518,701.

The assessor average sits +1.9% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 7,695 homes with a recorded purchase date, 20% have had the same owner for 20 years or more, and 32% changed hands in the last five.

21% are owned from a different mailing address, 2% from out of state.