ZIP 80227

80227 is one of 27 ZIP codes that lie mostly in Jefferson County, CO — 86% of its own area is in the county.

Shaded by typical home value, it ranks 21 of the 25 with a value.

Mapped in and around 80227: 118 places to go — 45 trails, 25 parks & open space, 24 dining.

9 school locations in 80227: 3 elementary, 3 middle, 3 high.

In alphabetical order: Bear Creek High School, Bear Creek K-8 School, Bear Valley International School, Carmody Middle School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 80227 was worth $170,531.

Values peaked at $573,362 in July 2022. The latest reading is −8.9% from that peak.

As of August 2026: $522,375, −2.0% over twelve months.

Start with the typical home: $522,375. Put 20% down and borrow $417,900 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,893 a month in principal and interest.

The median household here earns $88,796 a year, $7,400 a month. So the payment takes 39.1% 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 12.8% 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 $1,021.

In December 2020, with rates at 2.68%, it was $1,444.

By August 2026, at 6.67%, it was $2,687 — +86% since December 2020, while the home's value moved +17%.

Reported values rose +206% 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 $336,561. So the real change is +55%, not +206%.

80227: +206% since January 2000.

Jefferson County: +213% since January 2000.

Colorado: +199% since January 2000 — 80227 ran ahead of it by 8 points.

Against 476 Colorado ZIP codes, 80227 sits at the 38th percentile for affordability (price vs local income).

20th for appreciation (recent value growth); 44th for rental yield (rent vs price).

Owning the typical home costs about $3,416 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,794 a month.

Price divided by a year's rent: 24.3. 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 49 a month (Redfin, 3-month rolling data through August 2026). That is 73% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 134.

Going out — closed sales: about 37 a month. That is 55% of the 2015–2019 level for the same months. The drain is drawn 71% narrower: the share of homes for sale that sell each month is 29% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.6 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 37 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 59 — so sales ran at 63% of it, and below it in 24 of the last 24 months.

Across Jefferson County, builders pulled permits for 1,118 new homes in 2025.

Of those, 72% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Jefferson County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 16,902 moved in. Among the ten receiving the most, 15,755 moved out.

Net across those counties: +1,147 households. Beside it, homes for sale in this ZIP: 134 in June 2026.

Most arrivals came from Denver, CO (7,255 households); most departures went to Denver, CO (5,051).

County assessor records list 11,065 properties with a market value here. Their average assessed market value is $575,300; the typical home value is $522,375.

The assessor average sits +10.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 11,470 homes with a recorded purchase date, 19% have had the same owner for 20 years or more, and 33% changed hands in the last five.

25% are owned from a different mailing address, 2% from out of state.