ZIP 80650 vs ZIP 80520

80650 is one of 35 ZIP codes that lie mostly in Weld County, CO.

Shaded by typical home value, it ranks 18 of the 28 with a value.

Mapped in and around 80650: 8 places to go — 5 day trips, 3 arts & venues.

1 school location in 80650: 1 elementary.

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

80520 is one of 35 ZIP codes that lie mostly in Weld County, CO.

Shaded by typical home value, it ranks 19 of the 28 with a value.

Mapped in and around 80520: 12 places to go — 11 day trips, 1 trails.

In January 2000 the typical home in 80650 was worth $95,397.

Values peaked at $480,029 in July 2022. The latest reading is −3.0% from that peak.

As of August 2026: $465,616, −1.4% over twelve months.

Start with the typical home: $465,616. Put 20% down and borrow $372,493 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,579 a month in principal and interest.

The median household here earns $56,667 a year, $4,722 a month. So the payment takes 54.6% 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 11.2% 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 $571.

In December 2020, with rates at 2.68%, it was $1,227.

By August 2026, at 6.67%, it was $2,395 — +95% since December 2020, while the home's value moved +23%.

Reported values rose +388% 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 $188,276. So the real change is +147%, not +388%.

80650: +388% since January 2000.

Weld County: +178% since January 2000.

Colorado: +199% since January 2000 — 80650 ran ahead of it by 189 points.

Owning the typical home costs about $3,045 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,333 a month.

Price divided by a year's rent: 29.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In March 2001 the typical home in 80520 was worth $162,845.

Values peaked at $492,560 in July 2022. The latest reading is −5.5% from that peak.

As of August 2026: $465,562, −2.5% over twelve months.

Start with the typical home: $465,562. Put 20% down and borrow $372,450 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,579 a month in principal and interest.

The median household here earns $65,139 a year, $5,428 a month. So the payment takes 47.5% 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 16.6% in 2001.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in March 2001 (6.95%) the payment was $863.

In December 2020, with rates at 2.68%, it was $1,239.

By August 2026, at 6.67%, it was $2,395 — +93% since December 2020, while the home's value moved +22%.

Reported values rose +186% since March 2001.

General prices (CPI-U) rose +90% over the same span.

Divide one by the other: in August 2026 dollars, the 2001 home was worth $308,981. So the real change is +51%, not +186%.

80520: +186% since March 2001.

Weld County: +160% since March 2001.

Colorado: +162% since March 2001 — 80520 ran ahead of it by 24 points.

Owning the typical home costs about $3,044 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,643 a month.

Price divided by a year's rent: 23.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 2 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 3 — so sales ran at 67% of it, and below it in 13 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).

Homes sold: about 0 a month in February 2025 (Redfin).

The 2015–2019 level for the same month was 0 — so sales ran at NaN% of it, and below it in 0 of the last 20 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: 17 in June 2026.

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

County assessor records list 543 properties with a market value here. Their average assessed market value is $424,023; the typical home value is $465,616.

The assessor average sits −8.9% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 568 homes with a recorded purchase date, 28% have had the same owner for 20 years or more, and 12% changed hands in the last five.

69% are owned from a different mailing address, 2% 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: 1 in November 2025.

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

County assessor records list 590 properties with a market value here. Their average assessed market value is $414,679; the typical home value is $465,562.

The assessor average sits −10.9% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 613 homes with a recorded purchase date, 39% have had the same owner for 20 years or more, and 6% changed hands in the last five.

68% are owned from a different mailing address, 2% from out of state.