ZIP 80031 vs ZIP 80640

80031 is one of 20 ZIP codes that lie mostly in Adams County, CO — 90% of its own area is in the county.

Shaded by typical home value, it ranks 9 of the 18 with a value.

Mapped in and around 80031: 94 places to go — 39 dining, 17 parks & open space, 15 trails.

7 school locations in 80031: 1 elementary, 2 middle, 4 high.

In alphabetical order: Academy of Charter Schools, Colorado Preparatory Academy Elementary School, Colorado Preparatory Academy High School, Colorado Preparatory Academy Middle School, and more on the ZIP page. Locations only — no ratings are shown here.

80640 is one of 20 ZIP codes that lie mostly in Adams County, CO.

Shaded by typical home value, it ranks 10 of the 18 with a value.

Mapped in and around 80640: 24 places to go — 12 day trips, 6 trails, 4 parks & open space.

5 school locations in 80640: 2 elementary, 2 middle, 1 high.

In alphabetical order: Belle Creek Charter School, Henderson Elementary School, John W Thimmig Elementary School, Prairie View High School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 80031 was worth $181,837.

Values peaked at $549,345 in July 2022. The latest reading is −9.3% from that peak.

As of August 2026: $498,000, −2.2% over twelve months.

Start with the typical home: $498,000. Put 20% down and borrow $398,400 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,758 a month in principal and interest.

The median household here earns $106,244 a year, $8,854 a month. So the payment takes 31.2% 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 11.4% 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 $1,089.

In December 2020, with rates at 2.68%, it was $1,357.

By August 2026, at 6.67%, it was $2,562 — +89% since December 2020, while the home's value moved +19%.

Reported values rose +174% 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 $358,874. So the real change is +39%, not +174%.

80031: +174% since January 2000.

Adams County: +180% since January 2000.

Colorado: +199% since January 2000 — 80031 ran behind it by 25 points.

Against 476 Colorado ZIP codes, 80031 sits at the 68th percentile for affordability (price vs local income).

18th for appreciation (recent value growth); 81st for rental yield (rent vs price).

Owning the typical home costs about $3,256 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,265 a month.

Price divided by a year's rent: 18.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 80640 was worth $189,466.

Values peaked at $561,254 in July 2022. The latest reading is −11.5% from that peak.

As of August 2026: $496,631, −2.5% over twelve months.

Start with the typical home: $496,631. Put 20% down and borrow $397,305 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,751 a month in principal and interest.

The median household here earns $111,145 a year, $9,262 a month. So the payment takes 29.7% 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 11.3% 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 $1,134.

In December 2020, with rates at 2.68%, it was $1,368.

By August 2026, at 6.67%, it was $2,555 — +87% since December 2020, while the home's value moved +18%.

Reported values rose +162% 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 $373,931. So the real change is +33%, not +162%.

80640: +162% since January 2000.

Adams County: +180% since January 2000.

Colorado: +199% since January 2000 — 80640 ran behind it by 37 points.

Against 476 Colorado ZIP codes, 80640 sits at the 75th percentile for affordability (price vs local income).

16th for appreciation (recent value growth); 84th for rental yield (rent vs price).

Owning the typical home costs about $3,247 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,358 a month.

Price divided by a year's rent: 17.6. 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 68 a month (Redfin, 3-month rolling data through August 2026). That is 78% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 166.

Going out — closed sales: about 45 a month. That is 61% of the 2015–2019 level for the same months. The drain is drawn 65% narrower: the share of homes for sale that sell each month is 35% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.7 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 23 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 45 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 68 — so sales ran at 66% of it, and below it in 24 of the last 24 months.

Across Adams County, builders pulled permits for 2,608 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 18 a month (Redfin, 3-month rolling data through August 2026). That is 60% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 43.

Going out — closed sales: about 14 a month. That is 48% of the 2015–2019 level for the same months. The drain is drawn 66% narrower: the share of homes for sale that sell each month is 34% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.1 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 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 14 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 25 — so sales ran at 56% of it, and below it in 24 of the last 24 months.

Across Adams County, builders pulled permits for 2,608 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 Adams County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 16,283 moved in. Among the ten receiving the most, 14,635 moved out.

Net across those counties: +1,648 households. Beside it, homes for sale in this ZIP: 166 in June 2026.

Most arrivals came from Denver, CO (5,110 households); most departures went to Denver, CO (3,626).

County assessor records list 1,341 properties with a market value here. Their average assessed market value is $461,666; the typical home value is $498,000.

The assessor average sits −7.3% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 1,329 homes with a recorded purchase date, 14% have had the same owner for 20 years or more, and 49% changed hands in the last five.

33% are owned from a different mailing address, 4% from out of state.

This ZIP sits in Adams County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 16,283 moved in. Among the ten receiving the most, 14,635 moved out.

Net across those counties: +1,648 households. Beside it, homes for sale in this ZIP: 43 in June 2026.

Most arrivals came from Denver, CO (5,110 households); most departures went to Denver, CO (3,626).

County assessor records list 96 properties with a market value here. Their average assessed market value is $445,200; the typical home value is $496,631.

The assessor average sits −10.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 97 homes with a recorded purchase date, 12% have had the same owner for 20 years or more, and 73% changed hands in the last five.

11% are owned from a different mailing address, 2% from out of state.