ZIP 80643

80643 is one of 35 ZIP codes that lie mostly in Weld County, CO — 89% of its own area is in the county.

Shaded by typical home value, it ranks 12 of the 28 with a value.

Mapped in and around 80643: 15 places to go — 7 day trips, 4 dining, 3 arts & venues.

4 school locations in 80643: 1 elementary, 2 middle, 1 high.

In alphabetical order: Cardinal Community Academy Charter School, Hoff Elementary School, Weld Central Middle School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 80643 was worth $165,262.

Values peaked at $565,258 in July 2022. The latest reading is −6.6% from that peak.

As of August 2026: $527,698, −1.1% over twelve months.

Start with the typical home: $527,698. Put 20% down and borrow $422,158 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,923 a month in principal and interest.

The median household here earns $88,125 a year, $7,344 a month. So the payment takes 39.8% 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 $990.

In December 2020, with rates at 2.68%, it was $1,426.

By August 2026, at 6.67%, it was $2,715 — +90% since December 2020, while the home's value moved +20%.

Reported values rose +219% 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 $326,162. So the real change is +62%, not +219%.

80643: +219% since January 2000.

Weld County: +178% since January 2000.

Colorado: +199% since January 2000 — 80643 ran ahead of it by 21 points.

Owning the typical home costs about $3,451 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,682 a month.

Price divided by a year's rent: 26.1. 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 11 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 27.

Going out — closed sales: about 11 a month.

The ladder: homes for sale ÷ monthly sales = 2.5 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 0 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 11 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 5 — so sales ran at 220% of it, and below it in 6 of the last 24 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: 27 in June 2026.

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

County assessor records list 806 properties with a market value here. Their average assessed market value is $471,850; the typical home value is $527,698.

The assessor average sits −10.6% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Of 819 homes with a recorded purchase date, 31% have had the same owner for 20 years or more, and 10% changed hands in the last five.

69% are owned from a different mailing address, 2% from out of state.