Lotvox market story
ZIP 80461
Lake County, CO
What homes are worth, what they cost to carry, how fast they sell — one step at a time.
- Typical home value
- $504,651
- 12-month change
- +1.8%
- Months of supply
- 8.9
This week since 2026-10-08: Months of supply 8.9 (was 8.4) · Payment share of income 35.6% (was 35.2%)
1 of 5
Who's going to sell in 80461 this year?
Lotvox Turnover Index
Ranking every home in 80461 by how likely it is to sell
The Lotvox Turnover Index isn't offered for 80461 yet.
Where
80461 in Lake County, CO
80461 is one of 2 ZIP codes that lie mostly in Lake County, CO.
Shaded by typical home value, it ranks 2 of the 2 with a value.
- Value rank in county
- 2 of 2
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Around 80461
Mapped in and around 80461: 107 places to go — 46 trails, 27 arts & venues, 15 dining.
- Places mapped
- 107
Source: National Park Service, National Register of Historic Places; USGS 3D Elevation Program; USGS Protected Areas Database of the United States (PAD-US); Wikidata (CC0); © OpenStreetMap contributors (ODbL) · data as of 2026-09-22
Local life
Schools in 80461
4 school locations in 80461: 1 elementary, 1 middle, 2 high.
In alphabetical order: Cloud City High School, Lake County Elementary School, Lake County High School, Lake County Intermediate School. Locations only — no ratings are shown here.
- School locations
- 4
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
2 of 5
What it costs
Home values
What homes are worth in 80461
In June 2009 the typical home in 80461 was worth $179,196.
Values peaked at $504,651 in August 2026. The latest reading is the peak.
As of August 2026: $504,651, +1.8% over twelve months.
- Typical home value
- $504,651
- 12-month change
- +1.8%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $504,651. Put 20% down and borrow $403,721 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $2,795 a month in principal and interest.
The median household here earns $94,274 a year, $7,856 a month. So the payment takes 35.6% of income — rated “stretched” (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 12.6% in 2009.
- Payment share of income
- 35.6%
- Monthly P&I
- $2,795
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
Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in June 2009 (5.42%) the payment was $807.
In December 2020, with rates at 2.68%, it was $1,092.
By August 2026, at 6.67%, it was $2,596 — +138% since December 2020, while the home's value moved +50%.
- Payment change since 2020
- +138%
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
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 +182% since June 2009.
General prices (CPI-U) rose +56% over the same span.
Divide one by the other: in August 2026 dollars, the 2009 home was worth $278,760. So the real change is +81%, not +182%.
- Real change since 2009
- +81%
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
80461 against its neighbors
80461: +182% since June 2009.
Lake County: +180% since June 2009.
Colorado: +134% since June 2009 — 80461 ran ahead of it by 48 points.
- Change since 2009
- +182%
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
Owning the typical home costs about $3,300 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,556 a month.
Price divided by a year's rent: 16.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 16.5
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), 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)
3 of 5
What's moving
Housing pulse
Listings Flow Ladder
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 22 a month (Redfin, 3-month rolling data through August 2026).
On the shelf — homes for sale at the end of the period: 89.
Going out — closed sales: about 10 a month. The drain is drawn 44% narrower: the share of homes for sale that sell each month is 56% of its 2015–2019 level.
The ladder: homes for sale ÷ monthly sales = 8.9 months of supply — above the 4–6 month balanced range. 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.
- Months of supply
- 8.9
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Housing pulse
Sales pace vs. normal
Homes sold: about 10 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 19 — so sales ran at 53% of it, and below it in 16 of the last 24 months.
- Sales vs 2015–19 level
- 53%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
Across Lake County, builders pulled permits for 46 new homes in 2025.
Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 46
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
This ZIP sits in Lake County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 92 moved in. Among the ten receiving the most, 71 moved out.
Net across those counties: +21 households. Beside it, homes for sale in this ZIP: 89 in June 2026.
Most arrivals came from Summit, CO (41 households); most departures went to Summit, CO (26).
- Net households (top-10 flows)
- +21
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
County records
On the county rolls
County assessor records list 3,985 properties with a market value here. Their average assessed market value is $416,085; the typical home value is $504,651.
The assessor average sits −17.5% from the market figure — an average against a typical value, so treat it as a check, not a verdict.
- Properties on the roll
- 3,985
Source: County assessor and recorder public records; Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above)
5 of 5
What to do
