ZIP 80820 vs ZIP 80456

80820 is one of 10 ZIP codes that lie mostly in Park County, CO.

Shaded by typical home value, it ranks 6 of the 10 with a value.

Mapped in and around 80820: 20 places to go — 14 day trips, 4 arts & venues, 1 trails.

1 school location in 80820: 1 middle.

In alphabetical order: Guffey Charter School. Locations only — no ratings are shown here.

80456 is one of 10 ZIP codes that lie mostly in Park County, CO.

Shaded by typical home value, it ranks 7 of the 10 with a value.

Mapped in and around 80456: 35 places to go — 14 trails, 14 day trips, 3 dining.

In January 2000 the typical home in 80820 was worth $158,666.

Values peaked at $535,297 in July 2022. The latest reading is −8.4% from that peak.

As of August 2026: $490,157, −1.7% over twelve months.

Start with the typical home: $490,157. Put 20% down and borrow $392,126 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,715 a month in principal and interest.

The median household here earns $70,913 a year, $5,909 a month. So the payment takes 45.9% 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 14.9% 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 $950.

In December 2020, with rates at 2.68%, it was $1,232.

By August 2026, at 6.67%, it was $2,522 — +105% since December 2020, while the home's value moved +29%.

Reported values rose +209% 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 $313,144. So the real change is +57%, not +209%.

80820: +209% since January 2000.

Park County: +235% since January 2000.

Colorado: +199% since January 2000 — 80820 ran ahead of it by 10 points.

Owning the typical home costs about $3,205 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,161 a month.

Price divided by a year's rent: 18.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 80456 was worth $123,363.

Values peaked at $468,364 in November 2023. The latest reading is −4.5% from that peak.

As of August 2026: $447,332, −2.4% over twelve months.

Start with the typical home: $447,332. Put 20% down and borrow $357,866 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,478 a month in principal and interest.

The median household here earns $131,750 a year, $10,979 a month. So the payment takes 22.6% of income — rated “affordable” (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 6.2% 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 $739.

In December 2020, with rates at 2.68%, it was $1,034.

By August 2026, at 6.67%, it was $2,301 — +123% since December 2020, while the home's value moved +40%.

Reported values rose +263% 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 $243,470. So the real change is +84%, not +263%.

80456: +263% since January 2000.

Park County: +235% since January 2000.

Colorado: +199% since January 2000 — 80456 ran ahead of it by 64 points.

Owning the typical home costs about $2,925 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,161 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.

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 4 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 1 a month. The drain is drawn 56% narrower: the share of homes for sale that sell each month is 44% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 40.5 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 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 1 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 100% of it, and below it in 5 of the last 24 months.

Across Park County, builders pulled permits for 152 new homes in 2025.

Of those, 100% 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 12 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 62.

Going out — closed sales: about 4 a month. The drain is drawn 64% narrower: the share of homes for sale that sell each month is 36% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 14.3 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 8 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 4 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 8 — so sales ran at 50% of it, and below it in 24 of the last 24 months.

Across Park County, builders pulled permits for 152 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Park County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 454 moved in. Among the ten receiving the most, 316 moved out.

Net across those counties: +138 households. Beside it, homes for sale in this ZIP: 27 in June 2026.

Most arrivals came from Jefferson, CO (154 households); most departures went to Jefferson, CO (95).

County assessor records list 770 properties with a market value here. Their average assessed market value is $475,312; the typical home value is $490,157.

The assessor average sits −3.0% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Park County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 454 moved in. Among the ten receiving the most, 316 moved out.

Net across those counties: +138 households. Beside it, homes for sale in this ZIP: 62 in June 2026.

Most arrivals came from Jefferson, CO (154 households); most departures went to Jefferson, CO (95).

County assessor records list 895 properties with a market value here. Their average assessed market value is $455,550; the typical home value is $447,332.

The assessor average sits +1.8% from the market figure — an average against a typical value, so treat it as a check, not a verdict.