ZIP 80651 vs ZIP 80643

80651 is one of 35 ZIP codes that lie mostly in Weld County, CO.

Shaded by typical home value, it ranks 11 of the 28 with a value.

Mapped in and around 80651: 16 places to go — 9 day trips, 5 arts & venues, 1 parks & open space.

2 school locations in 80651: 1 elementary, 1 middle.

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

80643 is one of 35 ZIP codes that lie mostly in Weld County, CO — 89% of its own area is in the county.

Shaded by typical home value, it ranks 12 of the 28 with a value.

Mapped in and around 80643: 15 places to go — 7 day trips, 4 dining, 3 arts & venues.

4 school locations in 80643: 1 elementary, 2 middle, 1 high.

In alphabetical order: Cardinal Community Academy Charter School, Hoff Elementary School, Weld Central Middle School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 80651 was worth $175,346.

Values peaked at $566,435 in July 2022. The latest reading is −4.5% from that peak.

As of August 2026: $540,773, +0.1% over twelve months.

Start with the typical home: $540,773. Put 20% down and borrow $432,618 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,995 a month in principal and interest.

The median household here earns $88,608 a year, $7,384 a month. So the payment takes 40.6% 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 13.2% 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 $1,050.

In December 2020, with rates at 2.68%, it was $1,422.

By August 2026, at 6.67%, it was $2,782 — +96% since December 2020, while the home's value moved +23%.

Reported values rose +208% 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 $346,063. So the real change is +56%, not +208%.

80651: +208% since January 2000.

Weld County: +178% since January 2000.

Colorado: +199% since January 2000 — 80651 ran ahead of it by 10 points.

Owning the typical home costs about $3,536 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,316 a month.

Price divided by a year's rent: 13.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 80643 was worth $165,262.

Values peaked at $565,258 in July 2022. The latest reading is −6.6% from that peak.

As of August 2026: $527,698, −1.1% over twelve months.

Start with the typical home: $527,698. Put 20% down and borrow $422,158 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,923 a month in principal and interest.

The median household here earns $88,125 a year, $7,344 a month. So the payment takes 39.8% 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 12.5% 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 $990.

In December 2020, with rates at 2.68%, it was $1,426.

By August 2026, at 6.67%, it was $2,715 — +90% since December 2020, while the home's value moved +20%.

Reported values rose +219% 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 $326,162. So the real change is +62%, not +219%.

80643: +219% since January 2000.

Weld County: +178% since January 2000.

Colorado: +199% since January 2000 — 80643 ran ahead of it by 21 points.

Owning the typical home costs about $3,451 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,682 a month.

Price divided by a year's rent: 26.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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

The 2015–2019 level for the same month was 6 — so sales ran at 50% of it, and below it in 20 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 11 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 27.

Going out — closed sales: about 11 a month.

The ladder: homes for sale ÷ monthly sales = 2.5 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 0 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 11 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 5 — so sales ran at 220% of it, and below it in 6 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: 22 in June 2026.

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

County assessor records list 1,335 properties with a market value here. Their average assessed market value is $457,174; the typical home value is $540,773.

The assessor average sits −15.5% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 1,233 homes with a recorded purchase date, 34% have had the same owner for 20 years or more, and 9% changed hands in the last five.

50% are owned from a different mailing address, 1% 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: 27 in June 2026.

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

County assessor records list 806 properties with a market value here. Their average assessed market value is $471,850; the typical home value is $527,698.

The assessor average sits −10.6% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 819 homes with a recorded purchase date, 31% have had the same owner for 20 years or more, and 10% changed hands in the last five.

69% are owned from a different mailing address, 2% from out of state.