ZIP 80537

80537 is one of 18 ZIP codes that lie mostly in Larimer County, CO — 97% of its own area is in the county.

Shaded by typical home value, it ranks 14 of the 17 with a value.

Mapped in and around 80537: 128 places to go — 39 dining, 33 parks & open space, 19 trails.

12 school locations in 80537: 7 elementary, 2 middle, 3 high.

In alphabetical order: B F Kitchen Elementary School, Bill Reed Middle School, Carrie Martin Elementary School, Garfield Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 80537 was worth $181,754.

Values peaked at $516,551 in July 2022. The latest reading is −4.4% from that peak.

As of August 2026: $493,786, −0.6% over twelve months.

Start with the typical home: $493,786. Put 20% down and borrow $395,029 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,735 a month in principal and interest.

The median household here earns $83,746 a year, $6,979 a month. So the payment takes 39.2% 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 14.4% 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 $1,088.

In December 2020, with rates at 2.68%, it was $1,304.

By August 2026, at 6.67%, it was $2,540 — +95% since December 2020, while the home's value moved +23%.

Reported values rose +172% 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 $358,710. So the real change is +38%, not +172%.

80537: +172% since January 2000.

Larimer County: +185% since January 2000.

Colorado: +199% since January 2000 — 80537 ran behind it by 27 points.

Owning the typical home costs about $3,229 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,780 a month.

Price divided by a year's rent: 23.1. 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 79 a month (Redfin, 3-month rolling data through August 2026). That is 87% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 217. That is 91% of the 2015–2019 level for the same months.

Going out — closed sales: about 67 a month. That is 78% of the 2015–2019 level for the same months. The drain is drawn 18% narrower: the share of homes for sale that sell each month is 82% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.2 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 12 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 67 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 76 — so sales ran at 88% of it, and below it in 24 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: 217 in June 2026.

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

County assessor records list 13,145 properties with a market value here. Their average assessed market value is $495,800; the typical home value is $493,786.

The assessor average sits +0.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 14,875 homes with a recorded purchase date, 31% have had the same owner for 20 years or more, and 22% changed hands in the last five.

21% are owned from a different mailing address, 3% from out of state.