ZIP 80439

80439 is one of 6 ZIP codes that lie mostly in Clear Creek County, CO — 58% of its own area is in the county.

Shaded by typical home value, it ranks 1 of the 6 with a value.

Mapped in and around 80439: 176 places to go — 86 trails, 29 parks & open space, 29 dining.

10 school locations in 80439: 4 elementary, 4 middle, 2 high.

In alphabetical order: Bergen Meadow Primary School, Bergen Valley Intermediate School, Clear Creek High School, Clear Creek Middle School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 80439 was worth $287,261.

Values peaked at $950,278 in June 2022. The latest reading is −6.5% from that peak.

As of August 2026: $888,408, −1.6% over twelve months.

Start with the typical home: $888,408. Put 20% down and borrow $710,726 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,921 a month in principal and interest.

The median household here earns $152,156 a year, $12,680 a month. So the payment takes 38.8% 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 $1,720.

In December 2020, with rates at 2.68%, it was $2,297.

By August 2026, at 6.67%, it was $4,571 — +99% since December 2020, while the home's value moved +25%.

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 $566,939. So the real change is +57%, not +209%.

80439: +119% since February 2009.

Clear Creek County: +145% since February 2009.

Colorado: +133% since February 2009 — 80439 ran behind it by 14 points.

Against 476 Colorado ZIP codes, 80439 sits at the 42nd percentile for affordability (price vs local income).

30th for appreciation (recent value growth); 39th for rental yield (rent vs price).

Owning the typical home costs about $5,809 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,862 a month.

Price divided by a year's rent: 25.9. 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 80 a month (Redfin, 3-month rolling data through August 2026). That is 98% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 244. That is 135% of the 2015–2019 level for the same months.

Going out — closed sales: about 57 a month. That is 89% of the 2015–2019 level for the same months. The drain is drawn 29% narrower: the share of homes for sale that sell each month is 71% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.3 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 23 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 57 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 55 — so sales ran at 104% of it, and below it in 17 of the last 24 months.

Across Clear Creek County, builders pulled permits for 21 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 Clear Creek County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 177 moved in. Among the ten receiving the most, 136 moved out.

Net across those counties: +41 households. Beside it, homes for sale in this ZIP: 244 in June 2026.

Most arrivals came from Jefferson, CO (95 households); most departures went to Jefferson, CO (110).

County assessor records list 11,471 properties with a market value here. Their average assessed market value is $844,659; the typical home value is $888,408.

The assessor average sits −4.9% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 8,814 homes with a recorded purchase date, 16% have had the same owner for 20 years or more, and 38% changed hands in the last five.

26% are owned from a different mailing address, 6% from out of state.