ZIP 84043 vs ZIP 84045

84043 is one of 24 ZIP codes that lie mostly in Utah County, UT.

Shaded by typical home value, it ranks 9 of the 22 with a value.

25 school locations in 84043: 17 middle, 8 high.

In alphabetical order: Ascent Academies of Utah Lehi, Ascent Academies of Utah Saratoga Springs, Belmont School, Dry Creek School, and more on the ZIP page. Locations only — no ratings are shown here.

84045 is one of 24 ZIP codes that lie mostly in Utah County, UT.

Shaded by typical home value, it ranks 10 of the 22 with a value.

11 school locations in 84045: 6 middle, 5 high.

In alphabetical order: Harbor Point Elementary, Horizon School, Lake Mountain Middle, Lakeview Academy, and more on the ZIP page. Locations only — no ratings are shown here.

In May 2000 the typical home in 84043 was worth $190,448.

Values peaked at $608,930 in June 2022. The latest reading is −5.0% from that peak.

As of August 2026: $578,408, +1.6% over twelve months.

Start with the typical home: $578,408. Put 20% down and borrow $462,726 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,204 a month in principal and interest.

The median household here earns $125,598 a year, $10,467 a month. So the payment takes 30.6% 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 10.1% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in May 2000 (8.52%) the payment was $1,173.

In December 2020, with rates at 2.68%, it was $1,392.

By August 2026, at 6.67%, it was $2,976 — +114% since December 2020, while the home's value moved +35%.

Reported values rose +204% since May 2000.

General prices (CPI-U) rose +95% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $371,697. So the real change is +56%, not +204%.

84043: +204% since May 2000.

Utah County: +197% since May 2000.

Utah: +212% since May 2000 — 84043 ran behind it by 8 points.

Against 240 Utah ZIP codes, 84043 sits at the 82nd percentile for affordability (price vs local income).

30th for appreciation (recent value growth); 94th for rental yield (rent vs price).

Owning the typical home costs about $3,782 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,331 a month.

Price divided by a year's rent: 20.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2003 the typical home in 84045 was worth $185,066.

Values peaked at $593,769 in June 2022. The latest reading is −8.0% from that peak.

As of August 2026: $546,536, +0.2% over twelve months.

Start with the typical home: $546,536. Put 20% down and borrow $437,229 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,027 a month in principal and interest.

The median household here earns $123,870 a year, $10,323 a month. So the payment takes 29.3% 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 9.9% in 2003.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2003 (5.92%) the payment was $880.

In December 2020, with rates at 2.68%, it was $1,352.

By August 2026, at 6.67%, it was $2,812 — +108% since December 2020, while the home's value moved +31%.

Reported values rose +195% since January 2003.

General prices (CPI-U) rose +83% over the same span.

Divide one by the other: in August 2026 dollars, the 2003 home was worth $338,643. So the real change is +61%, not +195%.

84045: +195% since January 2003.

Utah County: +188% since January 2003.

Utah: +198% since January 2003 — 84045 ran behind it by 3 points.

Against 240 Utah ZIP codes, 84045 sits at the 85th percentile for affordability (price vs local income).

12th for appreciation (recent value growth); 88th for rental yield (rent vs price).

Owning the typical home costs about $3,574 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,046 a month.

Price divided by a year's rent: 22.3. 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 57 a month (Redfin, 3-month rolling data through August 2026). That is 63% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 135. That is 87% of the 2015–2019 level for the same months.

Going out — closed sales: about 46 a month. That is 52% of the 2015–2019 level for the same months. The drain is drawn 40% narrower: the share of homes for sale that sell each month is 60% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.9 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 11 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 46 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 80 — so sales ran at 57% of it, and below it in 24 of the last 24 months.

Across Utah County, builders pulled permits for 7,202 new homes in 2025.

Of those, 74% 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 132 a month (Redfin, 3-month rolling data through August 2026). That is 128% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 391. That is 184% of the 2015–2019 level for the same months.

Going out — closed sales: about 125 a month. That is 150% of the 2015–2019 level for the same months. The drain is drawn 14% narrower: the share of homes for sale that sell each month is 86% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.1 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 7 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 125 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 74 — so sales ran at 169% of it, and below it in 0 of the last 24 months.

Across Utah County, builders pulled permits for 7,202 new homes in 2025.

Of those, 74% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Utah County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 9,500 moved in. Among the ten receiving the most, 7,879 moved out.

Net across those counties: +1,621 households. Beside it, homes for sale in this ZIP: 135 in June 2026.

Most arrivals came from Salt Lake, UT (5,735 households); most departures went to Salt Lake, UT (4,666).

County assessor records list 24,727 properties with a market value here. Their average assessed market value is $542,100; the typical home value is $578,408.

The assessor average sits −6.3% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Utah County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 9,500 moved in. Among the ten receiving the most, 7,879 moved out.

Net across those counties: +1,621 households. Beside it, homes for sale in this ZIP: 391 in June 2026.

Most arrivals came from Salt Lake, UT (5,735 households); most departures went to Salt Lake, UT (4,666).

County assessor records list 16,261 properties with a market value here. Their average assessed market value is $521,900; the typical home value is $546,536.

The assessor average sits −4.5% from the market figure — an average against a typical value, so treat it as a check, not a verdict.