ZIP 80513 vs ZIP 80524

80513 is one of 18 ZIP codes that lie mostly in Larimer County, CO — 64% of its own area is in the county.

Shaded by typical home value, it ranks 5 of the 17 with a value.

Mapped in and around 80513: 39 places to go — 11 day trips, 10 trails, 8 parks & open space.

5 school locations in 80513: 3 elementary, 1 middle, 1 high.

In alphabetical order: Berthoud Early Childhood, Berthoud Elementary School, Berthoud High School, Ivy Stockwell Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

80524 is one of 18 ZIP codes that lie mostly in Larimer County, CO — 76% of its own area is in the county.

Shaded by typical home value, it ranks 6 of the 17 with a value.

Mapped in and around 80524: 139 places to go — 39 dining, 32 parks & open space, 32 arts & venues.

5 school locations in 80524: 3 elementary, 1 middle, 1 high.

In alphabetical order: Centennial High School, Harris Bilingual Elementary School, Laurel Elementary School, Lesher Middle School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 80513 was worth $212,273.

Values peaked at $633,165 in July 2022. The latest reading is −4.6% from that peak.

As of August 2026: $604,228, −0.9% over twelve months.

Start with the typical home: $604,228. Put 20% down and borrow $483,382 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,347 a month in principal and interest.

The median household here earns $117,024 a year, $9,752 a month. So the payment takes 34.3% 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 12.1% 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 $1,271.

In December 2020, with rates at 2.68%, it was $1,572.

By August 2026, at 6.67%, it was $3,109 — +98% since December 2020, while the home's value moved +24%.

Reported values rose +185% 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 $418,943. So the real change is +44%, not +185%.

80513: +185% since January 2000.

Larimer County: +185% since January 2000.

Colorado: +199% since January 2000 — 80513 ran behind it by 14 points.

Owning the typical home costs about $3,951 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,906 a month.

Price divided by a year's rent: 17.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 80524 was worth $197,419.

Values peaked at $609,723 in July 2022. The latest reading is −4.1% from that peak.

As of August 2026: $584,993, −0.5% over twelve months.

Start with the typical home: $584,993. Put 20% down and borrow $467,994 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,240 a month in principal and interest.

The median household here earns $84,440 a year, $7,037 a month. So the payment takes 46.0% 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 15.5% 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 $1,182.

In December 2020, with rates at 2.68%, it was $1,557.

By August 2026, at 6.67%, it was $3,010 — +93% since December 2020, while the home's value moved +22%.

Reported values rose +196% 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 $389,627. So the real change is +50%, not +196%.

80524: +196% since January 2000.

Larimer County: +185% since January 2000.

Colorado: +199% since January 2000 — 80524 ran behind it by 2 points.

Owning the typical home costs about $3,825 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,025 a month.

Price divided by a year's rent: 24.1. 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 46 a month (Redfin, 3-month rolling data through August 2026). That is 141% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 189.

Going out — closed sales: about 31 a month. That is 76% of the 2015–2019 level for the same months. The drain is drawn 43% narrower: the share of homes for sale that sell each month is 57% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.03 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 15 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 31 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 29 — so sales ran at 107% of it, and below it in 5 of the last 24 months.

Across Larimer County, builders pulled permits for 2,436 new homes in 2025.

Of those, 40% 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 67 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: 236. That is 121% of the 2015–2019 level for the same months.

Going out — closed sales: about 55 a month. That is 87% of the 2015–2019 level for the same months. The drain is drawn 25% narrower: the share of homes for sale that sell each month is 75% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.3 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 12 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 55 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 55 — so sales ran at 100% of it, and below it in 11 of the last 24 months.

Across Larimer County, builders pulled permits for 2,436 new homes in 2025.

Of those, 40% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Larimer County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,096 moved in. Among the ten receiving the most, 6,429 moved out.

Net across those counties: −333 households. Beside it, homes for sale in this ZIP: 189 in June 2026.

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

County assessor records list 7,419 properties with a market value here. Their average assessed market value is $587,600; the typical home value is $604,228.

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 7,988 homes with a recorded purchase date, 18% have had the same owner for 20 years or more, and 38% changed hands in the last five.

26% are owned from a different mailing address, 6% from out of state.

This ZIP sits in Larimer County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,096 moved in. Among the ten receiving the most, 6,429 moved out.

Net across those counties: −333 households. Beside it, homes for sale in this ZIP: 236 in June 2026.

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

County assessor records list 11,562 properties with a market value here. Their average assessed market value is $585,500; the typical home value is $584,993.

The assessor average sits +0.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 13,666 homes with a recorded purchase date, 23% have had the same owner for 20 years or more, and 28% changed hands in the last five.

31% are owned from a different mailing address, 7% from out of state.