ZIP 80521

80521 is one of 18 ZIP codes that lie mostly in Larimer County, CO.

Shaded by typical home value, it ranks 12 of the 17 with a value.

Mapped in and around 80521: 111 places to go — 39 dining, 22 trails, 19 parks & open space.

9 school locations in 80521: 4 elementary, 1 middle, 4 high.

In alphabetical order: Bennett Elementary School, Dunn Elementary School, Irish Elementary School, Lincoln Middle School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 80521 was worth $160,427.

Values peaked at $538,213 in July 2022. The latest reading is −2.7% from that peak.

As of August 2026: $523,747, −0.1% over twelve months.

Start with the typical home: $523,747. Put 20% down and borrow $418,998 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,901 a month in principal and interest.

The median household here earns $52,679 a year, $4,390 a month. So the payment takes 66.1% 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 20.2% 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 $961.

In December 2020, with rates at 2.68%, it was $1,387.

By August 2026, at 6.67%, it was $2,695 — +94% since December 2020, while the home's value moved +22%.

Reported values rose +226% 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 $316,619. So the real change is +65%, not +226%.

80521: +227% since January 2000.

Larimer County: +185% since January 2000.

Colorado: +199% since January 2000 — 80521 ran ahead of it by 28 points.

Owning the typical home costs about $3,425 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,829 a month.

Price divided by a year's rent: 23.9. 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 41 a month (Redfin, 3-month rolling data through August 2026). That is 79% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 114.

Going out — closed sales: about 34 a month. That is 77% 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 = 3.4 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 8 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 34 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 37 — so sales ran at 92% of it, and below it in 20 of the last 24 months.

Across Larimer County, builders pulled permits for 2,436 new homes in 2025.

Of those, 40% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Larimer County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,096 moved in. Among the ten receiving the most, 6,429 moved out.

Net across those counties: −333 households. Beside it, homes for sale in this ZIP: 114 in June 2026.

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

County assessor records list 8,049 properties with a market value here. Their average assessed market value is $528,300; the typical home value is $523,747.

The assessor average sits +0.9% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 8,959 homes with a recorded purchase date, 33% have had the same owner for 20 years or more, and 21% changed hands in the last five.

43% are owned from a different mailing address, 7% from out of state.