ZIP 80470 vs ZIP 80127

80470 is one of 27 ZIP codes that lie mostly in Jefferson County, CO — 81% of its own area is in the county.

Shaded by typical home value, it ranks 8 of the 25 with a value.

Mapped in and around 80470: 72 places to go — 50 trails, 13 day trips, 5 arts & venues.

1 school location in 80470: 1 elementary.

In alphabetical order: Elk Creek Elementary School. Locations only — no ratings are shown here.

80127 is one of 27 ZIP codes that lie mostly in Jefferson County, CO.

Shaded by typical home value, it ranks 9 of the 25 with a value.

Mapped in and around 80127: 193 places to go — 83 trails, 50 parks & open space, 36 dining.

13 school locations in 80127: 7 elementary, 2 middle, 3 high, 1 other.

In alphabetical order: Bradford K8 North, Bradford K8 South, Chatfield High School, Collegiate Academy of Colorado, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 80470 was worth $201,281.

Values peaked at $699,582 in July 2022. The latest reading is −5.6% from that peak.

As of August 2026: $660,118, −1.7% over twelve months.

Start with the typical home: $660,118. Put 20% down and borrow $528,094 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,656 a month in principal and interest.

The median household here earns $131,875 a year, $10,990 a month. So the payment takes 33.3% 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 10.1% 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 $1,205.

In December 2020, with rates at 2.68%, it was $1,698.

By August 2026, at 6.67%, it was $3,396 — +100% since December 2020, while the home's value moved +26%.

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 $397,249. So the real change is +66%, not +228%.

80470: +228% since January 2000.

Jefferson County: +213% since January 2000.

Colorado: +199% since January 2000 — 80470 ran ahead of it by 29 points.

Against 476 Colorado ZIP codes, 80470 sits at the 60th percentile for affordability (price vs local income).

26th for appreciation (recent value growth); 95th for rental yield (rent vs price).

Owning the typical home costs about $4,317 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,794 a month.

Price divided by a year's rent: 14.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 80127 was worth $220,352.

Values peaked at $708,634 in June 2022. The latest reading is −6.9% from that peak.

As of August 2026: $660,024, −1.3% over twelve months.

Start with the typical home: $660,024. Put 20% down and borrow $528,019 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,656 a month in principal and interest.

The median household here earns $137,753 a year, $11,479 a month. So the payment takes 31.8% 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 10.6% 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 $1,319.

In December 2020, with rates at 2.68%, it was $1,739.

By August 2026, at 6.67%, it was $3,396 — +95% since December 2020, while the home's value moved +23%.

Reported values rose +200% 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 $434,887. So the real change is +52%, not +200%.

80127: +200% since January 2000.

Jefferson County: +213% since January 2000.

Colorado: +199% since January 2000.

Against 476 Colorado ZIP codes, 80127 sits at the 65th percentile for affordability (price vs local income).

35th for appreciation (recent value growth); 35th for rental yield (rent vs price).

Owning the typical home costs about $4,316 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,113 a month.

Price divided by a year's rent: 26.0. 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 9 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 40.

Going out — closed sales: about 4 a month. The drain is drawn 60% narrower: the share of homes for sale that sell each month is 40% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 10.0 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 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 4 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 9 — so sales ran at 44% of it, and below it in 16 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 84 a month (Redfin, 3-month rolling data through August 2026). That is 90% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 160.

Going out — closed sales: about 66 a month. That is 75% of the 2015–2019 level for the same months. The drain is drawn 51% narrower: the share of homes for sale that sell each month is 49% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.4 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 18 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 66 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 77 — so sales ran at 86% of it, and below it in 21 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: 40 in June 2026.

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

County assessor records list 2,128 properties with a market value here. Their average assessed market value is $650,120; the typical home value is $660,118.

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 1,417 homes with a recorded purchase date, 19% have had the same owner for 20 years or more, and 34% changed hands in the last five.

41% are owned from a different mailing address, 7% 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: 160 in June 2026.

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

County assessor records list 17,420 properties with a market value here. Their average assessed market value is $675,413; the typical home value is $660,024.

The assessor average sits +2.3% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 16,264 homes with a recorded purchase date, 21% have had the same owner for 20 years or more, and 33% changed hands in the last five.

16% are owned from a different mailing address, 2% from out of state.