ZIP 80487 vs ZIP 80428

80487 is one of 9 ZIP codes that lie mostly in Routt County, CO.

Shaded by typical home value, it ranks 1 of the 6 with a value.

Mapped in and around 80487: 238 places to go — 131 trails, 40 dining, 25 arts & venues.

7 school locations in 80487: 2 elementary, 3 middle, 2 high.

In alphabetical order: Sleeping Giant School, Soda Creek Elementary School, Steamboat Montessori, Steamboat Springs High School, and more on the ZIP page. Locations only — no ratings are shown here.

80428 is one of 9 ZIP codes that lie mostly in Routt County, CO.

Shaded by typical home value, it ranks 2 of the 6 with a value.

Mapped in and around 80428: 30 places to go — 13 trails, 11 day trips, 4 arts & venues.

1 school location in 80428: 1 middle.

In alphabetical order: North Routt Community Charter School. Locations only — no ratings are shown here.

In January 2000 the typical home in 80487 was worth $249,958.

Values peaked at $1,306,796 in August 2026. The latest reading is the peak.

As of August 2026: $1,306,796, +4.7% over twelve months.

Start with the typical home: $1,306,796. Put 20% down and borrow $1,045,437 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $7,238 a month in principal and interest.

The median household here earns $106,837 a year, $8,903 a month. So the payment takes 81.3% 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 15.6% 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 $1,497.

In December 2020, with rates at 2.68%, it was $2,388.

By August 2026, at 6.67%, it was $6,723 — +181% since December 2020, while the home's value moved +77%.

Reported values rose +423% 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 $493,318. So the real change is +165%, not +423%.

80487: +423% since January 2000.

Routt County: +409% since January 2000.

Colorado: +199% since January 2000 — 80487 ran ahead of it by 224 points.

Owning the typical home costs about $8,545 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,551 a month.

Price divided by a year's rent: 30.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 80428 was worth $172,023.

Values peaked at $908,957 in August 2026. The latest reading is the peak.

As of August 2026: $908,957, +2.8% over twelve months.

Start with the typical home: $908,957. Put 20% down and borrow $727,166 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $5,035 a month in principal and interest.

The median household here earns $103,750 a year, $8,646 a month. So the payment takes 58.2% 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 11.0% 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 $1,030.

In December 2020, with rates at 2.68%, it was $1,799.

By August 2026, at 6.67%, it was $4,676 — +160% since December 2020, while the home's value moved +64%.

Reported values rose +428% 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 $339,505. So the real change is +168%, not +428%.

80428: +428% since January 2000.

Routt County: +409% since January 2000.

Colorado: +199% since January 2000 — 80428 ran ahead of it by 230 points.

Owning the typical home costs about $5,944 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,917 a month.

Price divided by a year's rent: 39.5. 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 92 a month (Redfin, 3-month rolling data through August 2026). That is 88% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 343. That is 88% of the 2015–2019 level for the same months.

Going out — closed sales: about 53 a month. That is 74% of the 2015–2019 level for the same months. The drain is drawn 27% narrower: the share of homes for sale that sell each month is 73% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.5 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 40 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 53 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 76 — so sales ran at 70% of it, and below it in 21 of the last 24 months.

Across Routt County, builders pulled permits for 218 new homes in 2025.

Of those, 90% 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 4 — so sales ran at 25% of it, and below it in 10 of the last 24 months.

Across Routt County, builders pulled permits for 218 new homes in 2025.

Of those, 90% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Routt County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 304 moved in. Among the ten receiving the most, 348 moved out.

Net across those counties: −44 households. Beside it, homes for sale in this ZIP: 343 in June 2026.

Most arrivals came from Denver, CO (83 households); most departures went to Moffat, CO (85).

County assessor records list 9,184 properties with a market value here. Their average assessed market value is $1,317,070; the typical home value is $1,306,796.

The assessor average sits +0.8% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Routt County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 304 moved in. Among the ten receiving the most, 348 moved out.

Net across those counties: −44 households. Beside it, homes for sale in this ZIP: 10 in June 2026.

Most arrivals came from Denver, CO (83 households); most departures went to Moffat, CO (85).

County assessor records list 639 properties with a market value here. Their average assessed market value is $908,570; the typical home value is $908,957.

The assessor average sits 0.0% from the market figure — an average against a typical value, so treat it as a check, not a verdict.