Lotvox market story

ZIP 80652

Roggen, Weld County, CO

What homes are worth, what they cost to carry, how fast they sell — one step at a time.

Typical home value
$626,965
12-month change
+2.9%
Payment share of income
78.3%

This week since 2026-10-08: Payment share of income 78.3% (was 77.4%) · Monthly P&I $3,473 (was $3,432)

1 of 5

Who's going to sell in 80652 this year?

Lotvox Turnover Index

Ranking every home in 80652 by how likely it is to sell

Lotvox Turnover Index
Not yet live
Source: County assessor and recorder public records; Lotvox analysis (calculations on the sources above) · accuracy by ZIP · methodology

The Lotvox Turnover Index is scored here but not published yet: a ZIP goes live only when its held-out capture beats 20% on at least 30 recorded sales.

Where

80652 in Weld County, CO

80504 · $571,93680514 · $495,01180516 · $710,97480520 · $465,56280530 · $497,39080534 · $505,73980542 · $549,62680543 · $445,58980546 · no value published80550 · $548,05580610 · $439,97780611 · $578,40980612 · $641,81180615 · $520,57980620 · $391,73980621 · $461,95380622 · no value published80623 · $359,25980624 · $618,62980631 · $364,69780634 · $441,77980642 · $697,60180643 · $527,69880644 · $502,59080645 · $452,35680646 · no value published80648 · $599,49580649 · $436,59480650 · $465,61680651 · $540,77380652 · $626,96580729 · no value published80732 · no value published80742 · no value published80754 · no value published 80652
$359K$711K typical home value
Source: Census TIGER/Line · Zillow (ZHVI)Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

80652 is one of 35 ZIP codes that lie mostly in Weld County, CO.

Shaded by typical home value, it ranks 4 of the 28 with a value.

Value rank in county
4 of 28

Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

2 of 5

What it costs

Home values

What homes are worth in 80652

$0$200K$400K$600K$800K201120142017202020232026Peak July 2022 · $665,361Latest · $626,965
Typical home value
Source: Zillow (ZHVI) · as of 2026-08-31Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

In November 2010 the typical home in 80652 was worth $182,327.

Values peaked at $665,361 in July 2022. The latest reading is −5.8% from that peak.

As of August 2026: $626,965, +2.9% over twelve months.

Typical home value
$626,965
12-month change
+2.9%

Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

Housing pulse

Monthly cost vs. price

Typical home
$626,965
Loan at 20% down
$501,572
30-year fixed rate
7.40%
Monthly principal + interest
$3,473
Median household income, per month
$4,436
Share of income
78.3%
0%30%60%
At today's rate, by home value, 2010–2026: 22.8% → 78.3%
Source: Zillow (ZHVI) · Freddie Mac via FRED · Census ACS · Lotvox · as of 2026-08-31Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Start with the typical home: $626,965. Put 20% down and borrow $501,572 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,473 a month in principal and interest.

The median household here earns $53,235 a year, $4,436 a month. So the payment takes 78.3% 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 22.8% in 2010.

Payment share of income
78.3%
Monthly P&I
$3,473

Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Lotvox lens

The payment, at each month's rate

$0$1K$2K$3K$4K2011201420172020202320262.68% rate · $1,6196.67% rate · $3,226
Monthly P&I at that month's 30-year rate
Source: Zillow (ZHVI) · Freddie Mac via FRED · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in November 2010 (4.30%) the payment was $722.

In December 2020, with rates at 2.68%, it was $1,619.

By August 2026, at 6.67%, it was $3,226 — +99% since December 2020, while the home's value moved +25%.

Payment change since 2020
+99%

Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08

Lotvox lens

Home value after inflation

$0$200K$400K$600K$800K201120142017202020232026
Home value (as reported)Prices in general (CPI-U), scaled to November 2010Home value in August 2026 dollars
Source: Zillow (ZHVI) · BLS CPI via FRED · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.

Reported values rose +244% since November 2010.

General prices (CPI-U) rose +52% over the same span.

Divide one by the other: in August 2026 dollars, the 2010 home was worth $277,431. So the real change is +126%, not +244%.

Real change since 2010
+126%

Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.

Home values

80652 against its neighbors

0100200300400201120142017202020232026
80652 (2010 = 100)Weld County (2010 = 100)Colorado (2010 = 100)
Source: Zillow (ZHVI) · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08

80652: +244% since November 2010.

Weld County: +175% since November 2010.

Colorado: +140% since November 2010 — 80652 ran ahead of it by 104 points.

Change since 2010
+244%

Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08

Lotvox lens

Rent or own

Own: payment + 1.2%/yr taxes & insurance
$4,100
principal + interest $3,473 · taxes & insurance est. $627
Rent: county median rent (ACS)
$1,539
Price-to-rent ratio
33.9
Source: Zillow (ZHVI) · Census ACS · Freddie Mac via FRED · LotvoxSource: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Census Bureau, American Community Survey 5-year estimates; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)

Owning the typical home costs about $4,100 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,539 a month.

Price divided by a year's rent: 33.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Price-to-rent
33.9

Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Census Bureau, American Community Survey 5-year estimates; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)

3 of 5

What's moving

Housing pulse

Sales pace vs. normal

0112202420252026
Homes sold per monthSame months, 2015–2019
Source: Redfin · Lotvox · as of 2026-07Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-07

Homes sold: about 1 a month in July 2026 (Redfin).

The 2015–2019 level for the same month was 0 — so sales ran at ∞% of it, and below it in 9 of the last 24 months.

Sales vs 2015–19 level
∞%

Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-07

New supply

Homes being permitted

02,0004,0006,0008,00020226,16620233,62720243,46820252,993
1-unit buildings2–4 units5+ units
Source: Census permits · as of 2025Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

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).

Units permitted 2025
2,993

Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

4 of 5

Who's holding, who's leaving

Housing pulse

Migration and inventory

Moved in (top-10 origin counties)
8,838
Moved out (top-10 destination counties)
5,777
Net households
+3,061
Top origins
Larimer, CO2,730
Adams, CO2,058
Boulder, CO1,534
Top destinations
Larimer, CO2,021
Adams, CO1,123
Boulder, CO848
Homes for sale, 2012–2026
Source: IRS SOI · Redfin · as of 2026-04-01Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-04-01

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 April 2026.

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

Net households (top-10 flows)
+3,061

Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-04-01

County records

On the county rolls

Properties on the assessor roll
160
Average assessor market value
$367,127
Typical home value (ZHVI)
$626,965
Assessor vs market
−41.4%
Source: County records · Zillow (ZHVI) · LotvoxSource: County assessor and recorder public records; Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above)

County assessor records list 160 properties with a market value here. Their average assessed market value is $367,127; the typical home value is $626,965.

The assessor average sits −41.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Properties on the roll
160

Source: County assessor and recorder public records; Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above)

Who's holding

How long owners in 80652 have held

0–5 years
10
5–10 years
54
10–20 years
40
20+ years
50
Source: County records · as of 2026-10-11Source: County assessor and recorder public records · data as of 2026-10-11

Of 154 homes with a recorded purchase date, 32% have had the same owner for 20 years or more, and 6% changed hands in the last five.

95% are owned from a different mailing address, 3% from out of state.

Held 20+ years
32%
Owned from elsewhere
95%

Source: County assessor and recorder public records · data as of 2026-10-11

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What to do

Own a home here?What's my home worth?Enter your address for a county-record value range. Buying?Compare 80652 with 80624The same story, side by side. An agent?See where the index is livethe farm territory and this page's sponsor spot.

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Link: https://lotvox.com/story/greeley/zip/80652