ZIP 80524 vs ZIP 80512

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.

80512 is one of 18 ZIP codes that lie mostly in Larimer County, CO.

Shaded by typical home value, it ranks 7 of the 17 with a value.

Mapped in and around 80512: 135 places to go — 86 trails, 27 arts & venues, 11 day trips.

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.

In January 2000 the typical home in 80512 was worth $202,344.

Values peaked at $606,093 in June 2022. The latest reading is −4.0% from that peak.

As of August 2026: $581,984, −0.6% over twelve months.

Start with the typical home: $581,984. Put 20% down and borrow $465,587 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,224 a month in principal and interest.

The median household here earns $84,856 a year, $7,071 a month. So the payment takes 45.6% 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 15.8% 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 $1,212.

In December 2020, with rates at 2.68%, it was $1,561.

By August 2026, at 6.67%, it was $2,994 — +92% since December 2020, while the home's value moved +21%.

Reported values rose +188% 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 $399,347. So the real change is +46%, not +188%.

80512: +188% since January 2000.

Larimer County: +185% since January 2000.

Colorado: +199% since January 2000 — 80512 ran behind it by 11 points.

Owning the typical home costs about $3,806 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,813 a month.

Price divided by a year's rent: 17.2. 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 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).

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 5 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 28.

Going out — closed sales: about 3 a month. 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 = 9.3 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 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 3 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 3 — so sales ran at 100% of it, and below it in 10 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: 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.

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: 28 in June 2026.

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

County assessor records list 1,526 properties with a market value here. Their average assessed market value is $414,550; the typical home value is $581,984.

The assessor average sits −28.8% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 1,577 homes with a recorded purchase date, 40% have had the same owner for 20 years or more, and 19% changed hands in the last five.

64% are owned from a different mailing address, 10% from out of state.