ZIP 80305 vs ZIP 80027

80305 is one of 18 ZIP codes that lie mostly in Boulder County, CO.

Shaded by typical home value, it ranks 3 of the 14 with a value.

Mapped in and around 80305: 87 places to go — 37 trails, 15 dining, 11 arts & venues.

7 school locations in 80305: 3 elementary, 3 middle, 1 high.

In alphabetical order: Bear Creek Elementary School, Community Montessori School, Creekside Elementary School at Martin Park, Fairview High School, and more on the ZIP page. Locations only — no ratings are shown here.

80027 is one of 18 ZIP codes that lie mostly in Boulder County, CO.

Shaded by typical home value, it ranks 4 of the 14 with a value.

Mapped in and around 80027: 179 places to go — 77 parks & open space, 40 dining, 25 trails.

8 school locations in 80027: 4 elementary, 3 middle, 1 high.

In alphabetical order: Coal Creek Elementary School, Eldorado K-8 School, Fireside Elementary School, Louisville Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 80305 was worth $265,188.

Values peaked at $1,072,894 in July 2022. The latest reading is −9.2% from that peak.

As of August 2026: $974,098, +0.3% over twelve months.

Start with the typical home: $974,098. Put 20% down and borrow $779,278 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $5,396 a month in principal and interest.

The median household here earns $120,933 a year, $10,078 a month. So the payment takes 53.5% 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 14.6% 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 $1,588.

In December 2020, with rates at 2.68%, it was $2,674.

By August 2026, at 6.67%, it was $5,011 — +87% since December 2020, while the home's value moved +18%.

Reported values rose +267% 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 $523,376. So the real change is +86%, not +267%.

80305: +267% since January 2000.

Boulder County: +213% since January 2000.

Colorado: +199% since January 2000 — 80305 ran ahead of it by 69 points.

Against 476 Colorado ZIP codes, 80305 sits at the 12th percentile for affordability (price vs local income).

62nd for appreciation (recent value growth); 31st for rental yield (rent vs price).

Owning the typical home costs about $6,370 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,925 a month.

Price divided by a year's rent: 27.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 80027 was worth $250,352.

Values peaked at $911,347 in June 2022. The latest reading is −9.9% from that peak.

As of August 2026: $821,112, −0.2% over twelve months.

Start with the typical home: $821,112. Put 20% down and borrow $656,890 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,548 a month in principal and interest.

The median household here earns $153,165 a year, $12,764 a month. So the payment takes 35.6% 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 10.9% 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 $1,499.

In December 2020, with rates at 2.68%, it was $2,171.

By August 2026, at 6.67%, it was $4,224 — +95% since December 2020, while the home's value moved +22%.

Reported values rose +228% 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 $494,095. So the real change is +66%, not +228%.

80027: +228% since January 2000.

Boulder County: +213% since January 2000.

Colorado: +199% since January 2000 — 80027 ran ahead of it by 29 points.

Against 476 Colorado ZIP codes, 80027 sits at the 52nd percentile for affordability (price vs local income).

57th for appreciation (recent value growth); 27th for rental yield (rent vs price).

Owning the typical home costs about $5,369 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,426 a month.

Price divided by a year's rent: 28.2. 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 24 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: 56.

Going out — closed sales: about 27 a month.

The ladder: homes for sale ÷ monthly sales = 2.1 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 3 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 27 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 19 — so sales ran at 142% of it, and below it in 13 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 44 a month (Redfin, 3-month rolling data through August 2026). That is 70% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 125.

Going out — closed sales: about 48 a month. That is 83% of the 2015–2019 level for the same months. The drain is drawn 26% narrower: the share of homes for sale that sell each month is 74% 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 3 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 48 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 46 — so sales ran at 104% of it, and below it in 13 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: 56 in June 2026.

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

County assessor records list 6,089 properties with a market value here. Their average assessed market value is $1,001,300; the typical home value is $974,098.

The assessor average sits +2.8% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 6,250 homes with a recorded purchase date, 46% have had the same owner for 20 years or more, and 18% changed hands in the last five.

42% are owned from a different mailing address, 5% 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: 125 in June 2026.

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

County assessor records list 12,210 properties with a market value here. Their average assessed market value is $859,950; the typical home value is $821,112.

The assessor average sits +4.7% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 12,606 homes with a recorded purchase date, 36% have had the same owner for 20 years or more, and 23% changed hands in the last five.

25% are owned from a different mailing address, 4% from out of state.