ZIP 80520

80520 is one of 35 ZIP codes that lie mostly in Weld County, CO.

Shaded by typical home value, it ranks 19 of the 28 with a value.

Mapped in and around 80520: 12 places to go — 11 day trips, 1 trails.

In March 2001 the typical home in 80520 was worth $162,845.

Values peaked at $492,560 in July 2022. The latest reading is −5.5% from that peak.

As of August 2026: $465,562, −2.5% over twelve months.

Start with the typical home: $465,562. Put 20% down and borrow $372,450 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,579 a month in principal and interest.

The median household here earns $65,139 a year, $5,428 a month. So the payment takes 47.5% 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 16.6% in 2001.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in March 2001 (6.95%) the payment was $863.

In December 2020, with rates at 2.68%, it was $1,239.

By August 2026, at 6.67%, it was $2,395 — +93% since December 2020, while the home's value moved +22%.

Reported values rose +186% since March 2001.

General prices (CPI-U) rose +90% over the same span.

Divide one by the other: in August 2026 dollars, the 2001 home was worth $308,981. So the real change is +51%, not +186%.

80520: +186% since March 2001.

Weld County: +160% since March 2001.

Colorado: +162% since March 2001 — 80520 ran ahead of it by 24 points.

Owning the typical home costs about $3,044 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,643 a month.

Price divided by a year's rent: 23.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 0 a month in February 2025 (Redfin).

The 2015–2019 level for the same month was 0 — so sales ran at NaN% of it, and below it in 0 of the last 20 months.

Across Weld County, builders pulled permits for 2,993 new homes in 2025.

Of those, 67% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Weld County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 8,838 moved in. Among the ten receiving the most, 5,777 moved out.

Net across those counties: +3,061 households. Beside it, homes for sale in this ZIP: 1 in November 2025.

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

County assessor records list 590 properties with a market value here. Their average assessed market value is $414,679; the typical home value is $465,562.

The assessor average sits −10.9% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 613 homes with a recorded purchase date, 39% have had the same owner for 20 years or more, and 6% changed hands in the last five.

68% are owned from a different mailing address, 2% from out of state.