ZIP 80228 vs ZIP 80004

80228 is one of 27 ZIP codes that lie mostly in Jefferson County, CO.

Shaded by typical home value, it ranks 11 of the 25 with a value.

Mapped in and around 80228: 86 places to go — 27 dining, 22 trails, 18 parks & open space.

18 school locations in 80228: 6 elementary, 5 middle, 7 high.

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

80004 is one of 27 ZIP codes that lie mostly in Jefferson County, CO.

Shaded by typical home value, it ranks 12 of the 25 with a value.

Mapped in and around 80004: 67 places to go — 20 parks & open space, 20 dining, 12 day trips.

10 school locations in 80004: 5 elementary, 1 middle, 2 high, 2 other.

In alphabetical order: Arvada High School, Arvada West High School, Campbell Elementary School, Fitzmorris Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 80228 was worth $195,514.

Values peaked at $671,778 in June 2022. The latest reading is −5.2% from that peak.

As of August 2026: $636,587, −1.0% over twelve months.

Start with the typical home: $636,587. Put 20% down and borrow $509,270 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,526 a month in principal and interest.

The median household here earns $110,013 a year, $9,168 a month. So the payment takes 38.5% 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 11.8% 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 $1,171.

In December 2020, with rates at 2.68%, it was $1,678.

By August 2026, at 6.67%, it was $3,275 — +95% since December 2020, while the home's value moved +23%.

Reported values rose +226% 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 $385,867. So the real change is +65%, not +226%.

80228: +226% since January 2000.

Jefferson County: +213% since January 2000.

Colorado: +199% since January 2000 — 80228 ran ahead of it by 27 points.

Against 476 Colorado ZIP codes, 80228 sits at the 42nd percentile for affordability (price vs local income).

38th for appreciation (recent value growth); 27th for rental yield (rent vs price).

Owning the typical home costs about $4,163 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,854 a month.

Price divided by a year's rent: 28.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 80004 was worth $187,281.

Values peaked at $636,424 in June 2022. The latest reading is −6.8% from that peak.

As of August 2026: $593,256, −2.3% over twelve months.

Start with the typical home: $593,256. Put 20% down and borrow $474,605 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,286 a month in principal and interest.

The median household here earns $99,576 a year, $8,298 a month. So the payment takes 39.6% 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 12.5% 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 $1,121.

In December 2020, with rates at 2.68%, it was $1,596.

By August 2026, at 6.67%, it was $3,052 — +91% since December 2020, while the home's value moved +20%.

Reported values rose +217% 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 $369,618. So the real change is +61%, not +217%.

80004: +217% since January 2000.

Jefferson County: +213% since January 2000.

Colorado: +199% since January 2000 — 80004 ran ahead of it by 18 points.

Against 476 Colorado ZIP codes, 80004 sits at the 38th percentile for affordability (price vs local income).

13th for appreciation (recent value growth); 39th for rental yield (rent vs price).

Owning the typical home costs about $3,879 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,022 a month.

Price divided by a year's rent: 24.5. 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 60 a month (Redfin, 3-month rolling data through August 2026). That is 84% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 118.

Going out — closed sales: about 45 a month. That is 67% of the 2015–2019 level for the same months. The drain is drawn 52% narrower: the share of homes for sale that sell each month is 48% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.6 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 15 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 57 — so sales ran at 79% 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 59 a month (Redfin, 3-month rolling data through August 2026). That is 79% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 105.

Going out — closed sales: about 45 a month. That is 70% of the 2015–2019 level for the same months. The drain is drawn 53% narrower: the share of homes for sale that sell each month is 47% 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 14 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 59 — so sales ran at 76% 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: 118 in June 2026.

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

County assessor records list 12,510 properties with a market value here. Their average assessed market value is $653,914; the typical home value is $636,587.

The assessor average sits +2.7% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 12,047 homes with a recorded purchase date, 19% have had the same owner for 20 years or more, and 33% changed hands in the last five.

21% 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: 105 in June 2026.

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

County assessor records list 12,764 properties with a market value here. Their average assessed market value is $584,211; the typical home value is $593,256.

The assessor average sits −1.5% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 12,296 homes with a recorded purchase date, 20% have had the same owner for 20 years or more, and 33% changed hands in the last five.

20% are owned from a different mailing address, 2% from out of state.