ZIP 80007 vs ZIP 80401

80007 is one of 27 ZIP codes that lie mostly in Jefferson County, CO.

Shaded by typical home value, it ranks 2 of the 25 with a value.

Mapped in and around 80007: 49 places to go — 16 parks & open space, 13 trails, 12 day trips.

2 school locations in 80007: 1 elementary, 1 middle.

In alphabetical order: Three Creeks K-8, West Woods Elementary School. Locations only — no ratings are shown here.

80401 is one of 27 ZIP codes that lie mostly in Jefferson County, CO.

Shaded by typical home value, it ranks 3 of the 25 with a value.

Mapped in and around 80401: 264 places to go — 95 trails, 61 parks & open space, 42 arts & venues.

14 school locations in 80401: 5 elementary, 3 middle, 6 high.

In alphabetical order: Bell Middle School, Connections Learning Center on the Earle Johnson C, Free Horizon Montessori, Golden High School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 80007 was worth $333,309.

Values peaked at $910,823 in June 2022. The latest reading is −7.9% from that peak.

As of August 2026: $838,696, −1.3% over twelve months.

Start with the typical home: $838,696. Put 20% down and borrow $670,957 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,646 a month in principal and interest.

The median household here earns $171,017 a year, $14,251 a month. So the payment takes 32.6% of income — rated “stretched” (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 13.0% 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 $1,996.

In December 2020, with rates at 2.68%, it was $2,158.

By August 2026, at 6.67%, it was $4,315 — +100% since December 2020, while the home's value moved +26%.

Reported values rose +152% 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 $657,820. So the real change is +27%, not +152%.

80007: +152% since January 2000.

Jefferson County: +213% since January 2000.

Colorado: +199% since January 2000 — 80007 ran behind it by 47 points.

Against 476 Colorado ZIP codes, 80007 sits at the 62nd percentile for affordability (price vs local income).

38th for appreciation (recent value growth); 59th for rental yield (rent vs price).

Owning the typical home costs about $5,484 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,258 a month.

Price divided by a year's rent: 21.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 80401 was worth $234,007.

Values peaked at $853,759 in June 2022. The latest reading is −3.0% from that peak.

As of August 2026: $828,112, −0.2% over twelve months.

Start with the typical home: $828,112. Put 20% down and borrow $662,490 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,587 a month in principal and interest.

The median household here earns $112,444 a year, $9,370 a month. So the payment takes 49.0% 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 13.8% 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 $1,401.

In December 2020, with rates at 2.68%, it was $2,060.

By August 2026, at 6.67%, it was $4,260 — +107% since December 2020, while the home's value moved +30%.

Reported values rose +254% 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 $461,837. So the real change is +79%, not +254%.

80401: +254% since January 2000.

Jefferson County: +213% since January 2000.

Colorado: +199% since January 2000 — 80401 ran ahead of it by 55 points.

Against 476 Colorado ZIP codes, 80401 sits at the 17th percentile for affordability (price vs local income).

53rd for appreciation (recent value growth); 19th for rental yield (rent vs price).

Owning the typical home costs about $5,415 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,158 a month.

Price divided by a year's rent: 32.0. 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 41 a month (Redfin, 3-month rolling data through August 2026). That is 89% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 113.

Going out — closed sales: about 35 a month. That is 79% of the 2015–2019 level for the same months. The drain is drawn 21% narrower: the share of homes for sale that sell each month is 79% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.3 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 7 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 35 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 36 — so sales ran at 97% of it, and below it in 17 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 68 a month (Redfin, 3-month rolling data through August 2026). That is 102% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 158.

Going out — closed sales: about 54 a month. That is 95% of the 2015–2019 level for the same months. The drain is drawn 34% narrower: the share of homes for sale that sell each month is 66% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.9 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 14 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 54 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 53 — so sales ran at 102% of it, and below it in 14 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: 113 in June 2026.

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

County assessor records list 7,881 properties with a market value here. Their average assessed market value is $827,193; the typical home value is $838,696.

The assessor average sits −1.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 7,023 homes with a recorded purchase date, 7% have had the same owner for 20 years or more, and 37% changed hands in the last five.

16% are owned from a different mailing address, 2% 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: 158 in June 2026.

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

County assessor records list 14,708 properties with a market value here. Their average assessed market value is $792,381; the typical home value is $828,112.

The assessor average sits −4.3% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 13,009 homes with a recorded purchase date, 19% have had the same owner for 20 years or more, and 35% changed hands in the last five.

26% are owned from a different mailing address, 4% from out of state.