ZIP 80303 vs ZIP 80540

80303 is one of 18 ZIP codes that lie mostly in Boulder County, CO.

Shaded by typical home value, it ranks 5 of the 14 with a value.

Mapped in and around 80303: 130 places to go — 52 trails, 26 dining, 23 parks & open space.

9 school locations in 80303: 4 elementary, 3 middle, 2 high.

In alphabetical order: Arapahoe Ridge High School, Boulder Community School/Integrated Studies, Boulder Universal, Douglass Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

80540 is one of 18 ZIP codes that lie mostly in Boulder County, CO — 65% of its own area is in the county.

Shaded by typical home value, it ranks 6 of the 14 with a value.

Mapped in and around 80540: 128 places to go — 84 trails, 15 arts & venues, 12 day trips.

2 school locations in 80540: 1 elementary, 1 high.

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

In January 2000 the typical home in 80303 was worth $248,012.

Values peaked at $916,846 in July 2022. The latest reading is −11.5% from that peak.

As of August 2026: $811,721, +0.3% over twelve months.

Start with the typical home: $811,721. Put 20% down and borrow $649,377 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,496 a month in principal and interest.

The median household here earns $77,344 a year, $6,445 a month. So the payment takes 69.8% 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 21.3% 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 $1,485.

In December 2020, with rates at 2.68%, it was $2,298.

By August 2026, at 6.67%, it was $4,176 — +82% since December 2020, while the home's value moved +14%.

Reported values rose +227% 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 $489,477. So the real change is +66%, not +227%.

80303: +227% since January 2000.

Boulder County: +213% since January 2000.

Colorado: +199% since January 2000 — 80303 ran ahead of it by 29 points.

Against 476 Colorado ZIP codes, 80303 sits at the 0th percentile for affordability (price vs local income).

62nd for appreciation (recent value growth); 27th for rental yield (rent vs price).

Owning the typical home costs about $5,308 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,277 a month.

Price divided by a year's rent: 29.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 80540 was worth $255,631.

Values peaked at $816,656 in July 2022. The latest reading is −8.5% from that peak.

As of August 2026: $747,522, −1.1% over twelve months.

Start with the typical home: $747,522. Put 20% down and borrow $598,018 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,141 a month in principal and interest.

The median household here earns $136,109 a year, $11,342 a month. So the payment takes 36.5% 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 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 $1,531.

In December 2020, with rates at 2.68%, it was $1,992.

By August 2026, at 6.67%, it was $3,846 — +93% since December 2020, while the home's value moved +21%.

Reported values rose +192% 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 $504,514. So the real change is +48%, not +192%.

80540: +192% since January 2000.

Boulder County: +213% since January 2000.

Colorado: +199% since January 2000 — 80540 ran behind it by 6 points.

Against 476 Colorado ZIP codes, 80540 sits at the 50th percentile for affordability (price vs local income).

43rd for appreciation (recent value growth); 10th for rental yield (rent vs price).

Owning the typical home costs about $4,888 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,694 a month.

Price divided by a year's rent: 36.8. 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 35 a month (Redfin, 3-month rolling data through August 2026). That is 81% 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 21 a month. That is 60% of the 2015–2019 level for the same months. The drain is drawn 56% narrower: the share of homes for sale that sell each month is 44% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.3 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 13 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 21 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 30 — so sales ran at 70% of it, and below it in 21 of the last 24 months.

Across Boulder County, builders pulled permits for 2,001 new homes in 2025.

Of those, 21% 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 12 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 70.

Going out — closed sales: about 6 a month. The drain is drawn 70% narrower: the share of homes for sale that sell each month is 30% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 11.7 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 6 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 10 — so sales ran at 60% of it, and below it in 16 of the last 24 months.

Across Boulder County, builders pulled permits for 2,001 new homes in 2025.

Of those, 21% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Boulder County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,799 moved in. Among the ten receiving the most, 7,485 moved out.

Net across those counties: −1,686 households. Beside it, homes for sale in this ZIP: 113 in June 2026.

Most arrivals came from Denver, CO (1,036 households); most departures went to Weld, CO (1,534).

County assessor records list 7,890 properties with a market value here. Their average assessed market value is $876,300; the typical home value is $811,721.

The assessor average sits +8.0% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 8,107 homes with a recorded purchase date, 38% have had the same owner for 20 years or more, and 18% changed hands in the last five.

35% are owned from a different mailing address, 6% from out of state.

This ZIP sits in Boulder County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,799 moved in. Among the ten receiving the most, 7,485 moved out.

Net across those counties: −1,686 households. Beside it, homes for sale in this ZIP: 70 in June 2026.

Most arrivals came from Denver, CO (1,036 households); most departures went to Weld, CO (1,534).

County assessor records list 2,591 properties with a market value here. Their average assessed market value is $688,700; the typical home value is $747,522.

The assessor average sits −7.9% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 2,658 homes with a recorded purchase date, 37% have had the same owner for 20 years or more, and 20% changed hands in the last five.

59% are owned from a different mailing address, 9% from out of state.