ZIP 80504 vs ZIP 80542

80504 is one of 35 ZIP codes that lie mostly in Weld County, CO — 59% of its own area is in the county.

Shaded by typical home value, it ranks 8 of the 28 with a value.

Mapped in and around 80504: 112 places to go — 33 parks & open space, 25 trails, 23 dining.

8 school locations in 80504: 3 elementary, 3 middle, 2 high.

In alphabetical order: Centennial Elementary, Coal Ridge Middle School, Firestone Charter Academy, Legacy Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

80542 is one of 35 ZIP codes that lie mostly in Weld County, CO.

Shaded by typical home value, it ranks 9 of the 28 with a value.

Mapped in and around 80542: 14 places to go — 11 day trips, 1 parks & open space, 1 trails.

2 school locations in 80542: 1 elementary, 1 middle.

In alphabetical order: Mead Elementary School, Mead Middle School. Locations only — no ratings are shown here.

In January 2000 the typical home in 80504 was worth $210,961.

Values peaked at $631,409 in July 2022. The latest reading is −9.4% from that peak.

As of August 2026: $571,936, −2.1% over twelve months.

Start with the typical home: $571,936. Put 20% down and borrow $457,549 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,168 a month in principal and interest.

The median household here earns $109,671 a year, $9,139 a month. So the payment takes 34.7% 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 12.8% 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 $1,263.

In December 2020, with rates at 2.68%, it was $1,546.

By August 2026, at 6.67%, it was $2,942 — +90% since December 2020, while the home's value moved +20%.

Reported values rose +171% 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 $416,353. So the real change is +37%, not +171%.

80504: +171% since January 2000.

Weld County: +178% since January 2000.

Colorado: +199% since January 2000 — 80504 ran behind it by 28 points.

Owning the typical home costs about $3,740 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,131 a month.

Price divided by a year's rent: 22.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 80542 was worth $223,789.

Values peaked at $606,934 in July 2022. The latest reading is −9.4% from that peak.

As of August 2026: $549,626, −3.8% over twelve months.

Start with the typical home: $549,626. Put 20% down and borrow $439,701 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,044 a month in principal and interest.

The median household here earns $127,500 a year, $10,625 a month. So the payment takes 28.7% 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 11.7% 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 $1,340.

In December 2020, with rates at 2.68%, it was $1,516.

By August 2026, at 6.67%, it was $2,828 — +86% since December 2020, while the home's value moved +17%.

Reported values rose +146% 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 $441,671. So the real change is +24%, not +146%.

80542: +146% since January 2000.

Weld County: +178% since January 2000.

Colorado: +199% since January 2000 — 80542 ran behind it by 53 points.

Owning the typical home costs about $3,594 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,539 a month.

Price divided by a year's rent: 29.8. 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 102 a month (Redfin, 3-month rolling data through August 2026). That is 71% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 298. That is 114% of the 2015–2019 level for the same months.

Going out — closed sales: about 85 a month. That is 66% of the 2015–2019 level for the same months. The drain is drawn 45% narrower: the share of homes for sale that sell each month is 55% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.5 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 17 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 85 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 118 — so sales ran at 72% of it, and below it in 24 of the last 24 months.

Across Weld County, builders pulled permits for 2,993 new homes in 2025.

Of those, 67% 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 9 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 39.

Going out — closed sales: about 7 a month. The drain is drawn 55% narrower: the share of homes for sale that sell each month is 45% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.9 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 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 7 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 6 — so sales ran at 117% of it, and below it in 8 of the last 24 months.

Across Weld County, builders pulled permits for 2,993 new homes in 2025.

Of those, 67% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Weld County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 8,838 moved in. Among the ten receiving the most, 5,777 moved out.

Net across those counties: +3,061 households. Beside it, homes for sale in this ZIP: 298 in June 2026.

Most arrivals came from Larimer, CO (2,730 households); most departures went to Larimer, CO (2,021).

County assessor records list 11,404 properties with a market value here. Their average assessed market value is $593,921; the typical home value is $571,936.

The assessor average sits +3.8% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 11,391 homes with a recorded purchase date, 23% have had the same owner for 20 years or more, and 16% changed hands in the last five.

21% are owned from a different mailing address, 4% from out of state.

This ZIP sits in Weld County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 8,838 moved in. Among the ten receiving the most, 5,777 moved out.

Net across those counties: +3,061 households. Beside it, homes for sale in this ZIP: 39 in June 2026.

Most arrivals came from Larimer, CO (2,730 households); most departures went to Larimer, CO (2,021).

County assessor records list 1,530 properties with a market value here. Their average assessed market value is $549,613; the typical home value is $549,626.

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.

Of 1,500 homes with a recorded purchase date, 31% have had the same owner for 20 years or more, and 6% changed hands in the last five.

21% are owned from a different mailing address, 0% from out of state.