ZIP 80101 vs ZIP 80832

80101 is one of 7 ZIP codes that lie mostly in Elbert County, CO.

Shaded by typical home value, it ranks 4 of the 6 with a value.

2 school locations in 80101: 1 middle, 1 high.

In alphabetical order: Agate Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

80832 is one of 7 ZIP codes that lie mostly in Elbert County, CO — 81% of its own area is in the county.

Shaded by typical home value, it ranks 5 of the 6 with a value.

In October 2012 the typical home in 80101 was worth $234,785.

Values peaked at $595,195 in June 2022. The latest reading is −16.7% from that peak.

As of August 2026: $495,762, +1.0% over twelve months.

Start with the typical home: $495,762. Put 20% down and borrow $396,610 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,746 a month in principal and interest.

The median household here earns $87,606 a year, $7,301 a month. So the payment takes 37.6% 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 17.8% in 2012.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in October 2012 (3.38%) the payment was $831.

In December 2020, with rates at 2.68%, it was $1,417.

By August 2026, at 6.67%, it was $2,551 — +80% since December 2020, while the home's value moved +13%.

Reported values rose +111% since October 2012.

General prices (CPI-U) rose +44% over the same span.

Divide one by the other: in August 2026 dollars, the 2012 home was worth $338,670. So the real change is +46%, not +111%.

80101: +111% since October 2012.

Elbert County: +143% since October 2012.

Colorado: +137% since October 2012 — 80101 ran behind it by 25 points.

Against 476 Colorado ZIP codes, 80101 sits at the 50th percentile for affordability (price vs local income).

74th for appreciation (recent value growth); 54th for rental yield (rent vs price).

Owning the typical home costs about $3,242 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,782 a month.

Price divided by a year's rent: 23.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In September 2003 the typical home in 80832 was worth $195,262.

Values peaked at $460,220 in July 2022. The latest reading is −1.4% from that peak.

As of August 2026: $453,810, +7.0% over twelve months.

Start with the typical home: $453,810. Put 20% down and borrow $363,048 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,514 a month in principal and interest.

The median household here earns $74,125 a year, $6,177 a month. So the payment takes 40.7% 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 17.5% in 2003.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in September 2003 (6.15%) the payment was $951.

In December 2020, with rates at 2.68%, it was $1,172.

By August 2026, at 6.67%, it was $2,335 — +99% since December 2020, while the home's value moved +25%.

Reported values rose +132% since September 2003.

General prices (CPI-U) rose +81% over the same span.

Divide one by the other: in August 2026 dollars, the 2003 home was worth $352,475. So the real change is +29%, not +132%.

80832: +132% since September 2003.

Elbert County: +143% since September 2003.

Colorado: +136% since September 2003 — 80832 ran behind it by 4 points.

Owning the typical home costs about $2,967 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,196 a month.

Price divided by a year's rent: 31.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 1 a month in February 2026 (Redfin).

The 2015–2019 level for the same month was 0 — so sales ran at ∞% of it, and below it in 6 of the last 24 months.

Across Elbert County, builders pulled permits for 333 new homes in 2025.

Of those, 86% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Homes sold: about 1 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 100% of it, and below it in 4 of the last 24 months.

Across Elbert County, builders pulled permits for 333 new homes in 2025.

Of those, 86% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Elbert County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 918 moved in. Among the ten receiving the most, 560 moved out.

Net across those counties: +358 households. Beside it, homes for sale in this ZIP: 1 in April 2026.

Most arrivals came from Douglas, CO (400 households); most departures went to Douglas, CO (214).

County assessor records list 165 properties with a market value here. Their average assessed market value is $319,141; the typical home value is $495,762.

The assessor average sits −35.6% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Elbert County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 918 moved in. Among the ten receiving the most, 560 moved out.

Net across those counties: +358 households. Beside it, homes for sale in this ZIP: 6 in June 2026.

Most arrivals came from Douglas, CO (400 households); most departures went to Douglas, CO (214).

County assessor records list 350 properties with a market value here. Their average assessed market value is $293,198; the typical home value is $453,810.

The assessor average sits −35.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.