{"v":2,"zip":"80020","built":"2026-10-25T11:32:49.326Z","spec_build":"20261025T1115-00c6","place":"Broomfield, Broomfield County, CO","state":"CO","county":{"name":"Broomfield","st":"co","fips":"08014"},"page":"/denver/zip/80020","links":{"story":"/story/denver/zip/80020","page":"/denver/zip/80020"},"rule":{"pi_share":0.28,"down":0.2,"term_months":360},"rate":{"rate":7.32,"date":"2026-10-22","source":"Freddie Mac PMMS via FRED MORTGAGE30US"},"headline":[{"id":"likely","label":"Homes likely to sell in the next 12 months","value":"about 744","raw":744,"as_of":"2026-10-24","source":"Lotvox Turnover Index (held-out backtest) · county records"},{"id":"gap","label":"A median-income household is short of the median home on county records","value":"$77,000 short","raw":77413,"as_of":"2026-10-22","source":"County assessor · Census ACS · Freddie Mac PMMS 7.32%"},{"id":"years","label":"Median years since the last sale","value":"8.4 years","raw":8.4,"as_of":"2026-10-25","source":"County recorder deeds"}],"chapters":[{"id":"family","n":1,"title":"The household","short":"Household","q":"Can a household here afford a home here?","built":true},{"id":"house","n":2,"title":"The house","short":"House","q":"What is a home here, and what is it worth?","built":true},{"id":"street","n":3,"title":"The street","short":"Street","q":"Who is staying, and who is likely to go?","built":true},{"id":"town","n":4,"title":"The town","short":"Town","q":"Is the market filling up or draining?","built":true},{"id":"sky","n":5,"title":"The sky","short":"Sky","q":"What is the weather like for a home here?","built":true}],"coverage":{"house_parcels":16513,"clean_parcels":16871,"acs_occupied":21077,"ratio":0.78,"covered":true,"date_cov":97.6,"value_basis":"County assessor"},"ch1":{"value":561616,"income":114039,"rate":7.32,"budget_pi":2661,"reach":484203,"gap":77413,"reaches":false,"pi":3086,"pi_share_pct":32.5,"tax_mo":288,"ins_mo":null,"piti":null,"piti_share_pct":null,"tax_rate":0.00616,"ins_year":null,"close":"A typical 80020 household is about $77,000 short of the median home on county records at today's 7.32% rate.","home_label":"Median home"},"ch2":{"parcels":16513,"sqft":1688,"beds":3,"year_built":1986,"value":561616,"sale_median":540000,"ti_bands":{"run_date":"2026-10-24","scored":16683,"bands":[["0–10",12036],["11–20",2751],["21–30",1429],["31–40",264],["41–50",192],["51+",11]]},"close":"The median home on county records here is a 3-bedroom, 1,688 sq ft home built around 1986; the county values it at about $562,000."},"ch3":{"owner_pct":66,"absentee_pct":19.9,"out_of_state_pct":2.9,"suppressed":2572,"likely":744,"likely_pct":4.505541088839096,"years":8.4,"ti_live":true,"ti_capture":26.3,"tenure":{"counts":[["0–5 years",4967],["5–10 years",4209],["10–20 years",3247],["20+ years",3844]],"as_of":"2026-10-25"},"equity":null,"close":"About 744 of 80020's 16,513 homes are likely to sell in the next 12 months; the typical owner bought 8.4 years ago."},"ch4":{"mos":3.07,"band":[4,6],"level":0.38375,"band_level":[0.5,0.75],"new_mo":73.3,"sold_mo":56.3,"drain":0.596,"below_band":true,"above_band":false,"for_sale":173,"history":[{"month":"2024-10","new_mo":64,"sold_mo":60.7,"for_sale":113,"mos":1.86},{"month":"2024-11","new_mo":52.7,"sold_mo":56.7,"for_sale":92,"mos":1.62},{"month":"2024-12","new_mo":39,"sold_mo":50.7,"for_sale":71,"mos":1.4},{"month":"2025-01","new_mo":36.3,"sold_mo":41.3,"for_sale":68,"mos":1.65},{"month":"2025-02","new_mo":38.7,"sold_mo":42.3,"for_sale":63,"mos":1.49},{"month":"2025-03","new_mo":55,"sold_mo":46.3,"for_sale":80,"mos":1.73},{"month":"2025-04","new_mo":63,"sold_mo":48,"for_sale":96,"mos":2},{"month":"2025-05","new_mo":80.3,"sold_mo":47.3,"for_sale":114,"mos":2.41},{"month":"2025-06","new_mo":82,"sold_mo":55,"for_sale":123,"mos":2.24},{"month":"2025-07","new_mo":81,"sold_mo":60.7,"for_sale":139,"mos":2.29},{"month":"2025-08","new_mo":65,"sold_mo":57.3,"for_sale":138,"mos":2.41},{"month":"2025-09","new_mo":57,"sold_mo":47,"for_sale":128,"mos":2.72},{"month":"2025-10","new_mo":50.3,"sold_mo":43,"for_sale":121,"mos":2.81},{"month":"2025-11","new_mo":44.7,"sold_mo":43.3,"for_sale":109,"mos":2.52},{"month":"2025-12","new_mo":31,"sold_mo":44.7,"for_sale":74,"mos":1.66},{"month":"2026-01","new_mo":31.7,"sold_mo":37,"for_sale":87,"mos":2.35},{"month":"2026-02","new_mo":43.3,"sold_mo":37.3,"for_sale":90,"mos":2.41},{"month":"2026-03","new_mo":62.7,"sold_mo":39.7,"for_sale":91,"mos":2.29},{"month":"2026-04","new_mo":75.3,"sold_mo":52.7,"for_sale":105,"mos":1.99},{"month":"2026-05","new_mo":80.3,"sold_mo":62,"for_sale":120,"mos":1.94},{"month":"2026-06","new_mo":83.3,"sold_mo":63,"for_sale":134,"mos":2.13},{"month":"2026-07","new_mo":83.3,"sold_mo":62.3,"for_sale":160,"mos":2.57},{"month":"2026-08","new_mo":79.7,"sold_mo":58,"for_sale":159,"mos":2.74},{"month":"2026-09","new_mo":73.3,"sold_mo":56.3,"for_sale":173,"mos":3.07}],"overflow":false,"unemp":4.4,"permits":970,"mig_in":3565,"mig_out":3714,"population":53589,"approval_pct":97.1,"close":"80020 holds 3.1 months of homes — below the 4–6 month balanced band. Sellers hold the cards."},"ch5":{"status":"facts","hazards":{"hail_days":4,"wind_days":1.9,"flood":1.5,"tropical":0,"winter":8.3,"heat_days":39.4},"close":"In a typical year the sky over 80020 brings 4.0 hail days, 1.5 flood events, 8.3 winter storms, 39 days at 90°F or more (NOAA). One score for all of it is pending until its backtest runs."},"cards":[{"id":"value","chapter":"family","label":"Median home on county records (county assessor value)","raw":561616,"value":"$561,616","source":"County assessor, median value of this ZIP's homes","geo":"ZIP 80020","as_of":"2026-10-24"},{"id":"income","chapter":"family","label":"Median household income","raw":114039,"value":"$114,039","source":"Census ACS 2023 5-year, B19013","geo":"ZIP 80020","as_of":"2023"},{"id":"rate","chapter":"family","label":"30-year fixed rate","raw":7.32,"value":"7.32%","source":"Freddie Mac PMMS via FRED MORTGAGE30US, week of 2026-10-22","geo":"national","as_of":"2026-10-22"},{"id":"reach","chapter":"family","label":"What 28% of the median income buys (P&I, 20% down, 30-yr)","raw":484203,"value":"$484,000","source":"Lotvox-derived from the three cards above","geo":"ZIP 80020","as_of":"2026-10-22"},{"id":"gap","chapter":"family","label":"Short of the median home on county records","raw":77413,"value":"$77,000","source":"Lotvox-derived","geo":"ZIP 80020","as_of":"2026-10-22"},{"id":"pi","chapter":"family","label":"Principal + interest on the median home on county records","raw":3086,"value":"$3,086/mo","source":"Lotvox-derived (20% down, 30-yr)","geo":"ZIP 80020","as_of":"2026-10-22"},{"id":"pi_share","chapter":"family","label":"P&I as a share of median income","raw":32.5,"value":"32.5%","source":"Lotvox-derived","geo":"ZIP 80020","as_of":"2026-10-22"},{"id":"tax","chapter":"family","label":"Property tax estimate","raw":288,"value":"$288/mo","source":"Census ACS 2023 county effective rate 0.62% × the median home on county records","geo":"Broomfield County (county figure)","as_of":"2023"},{"id":"ins","chapter":"family","label":"Homeowners insurance estimate","raw":null,"value":"pending","source":"NAIC 2023 average HO-3 premium is a state average, not local (ruling B: stays pending)","geo":"CO (state average)","as_of":"pending"},{"id":"piti","chapter":"family","label":"Payment with property tax","raw":3374,"value":"$3,374/mo","source":"Lotvox-derived (P&I + tax; insurance pending)","geo":"ZIP 80020","as_of":"2026-10-22"},{"id":"house_value","chapter":"house","label":"County assessor median value","raw":561616,"value":"$561,616","source":"County assessor (actual value)","geo":"ZIP 80020, 16,513 homes on county records","as_of":"2026-10-24"},{"id":"sale_median","chapter":"house","label":"Median recorded sale, last 12 months","raw":540000,"value":"$540,000","source":"County recorder, 910 sales over $50,000","geo":"ZIP 80020, 16,513 homes on county records","as_of":"2026-09-21"},{"id":"parcels","chapter":"house","label":"Homes on county records","raw":16513,"value":"16,513","source":"County assessor parcels (houses, condos, townhomes)","geo":"ZIP 80020","as_of":"2026-10-24"},{"id":"sqft","chapter":"house","label":"Median size","raw":1688,"value":"1,688 sq ft","source":"County assessor (91.4% of homes report size)","geo":"ZIP 80020, 16,513 homes on county records","as_of":"2026-10-24"},{"id":"beds","chapter":"house","label":"Median bedrooms","raw":3,"value":"3","source":"County assessor (73.1% of homes report bedrooms)","geo":"ZIP 80020, 16,513 homes on county records","as_of":"2026-10-24"},{"id":"year_built","chapter":"house","label":"Median year built","raw":1986,"value":"1986","source":"County assessor","geo":"ZIP 80020, 16,513 homes on county records","as_of":"2026-10-24"},{"id":"pi_house","chapter":"house","label":"Monthly principal + interest on it","raw":3086,"value":"$3,086/mo","source":"Lotvox-derived (20% down, 30-yr, today's rate)","geo":"ZIP 80020","as_of":"2026-10-22"},{"id":"ti_scored","chapter":"house","label":"Homes the Turnover Index scored (spread by score band below)","raw":16683,"value":"16,683","source":"Lotvox Turnover Index scoring run (a ranking, not a probability)","geo":"ZIP 80020","as_of":"2026-10-24"},{"id":"tenure_20","chapter":"street","label":"Homes held 20 years or more","raw":3844,"value":"3,844","source":"County assessor and recorder public records (the ZIP story's tenure mix)","geo":"ZIP 80020","as_of":"2026-10-25"},{"id":"equity","chapter":"street","label":"Equity bands (how much of their home owners own)","raw":null,"value":"pending","source":"County recorder mortgage records are not loaded yet","geo":"ZIP 80020, 16,513 homes on county records","as_of":"pending"},{"id":"owner_occ","chapter":"street","label":"Homes lived in by their owner","raw":66,"value":"66.0%","source":"Census ACS 2023 5-year, B25003","geo":"ZIP 80020 (all occupied homes)","as_of":"2023"},{"id":"absentee","chapter":"street","label":"Owner's mailing address is elsewhere","raw":19.9,"value":"19.9%","source":"County assessor owner mailing vs. home address (83.8% known)","geo":"ZIP 80020, 16,513 homes on county records","as_of":"2026-10-24"},{"id":"out_of_state","chapter":"street","label":"Owner's mailing address is out of state","raw":2.9,"value":"2.9%","source":"County assessor owner mailing state (99.8% known)","geo":"ZIP 80020, 16,513 homes on county records","as_of":"2026-10-24"},{"id":"suppressed","chapter":"street","label":"Held by companies, trusts and estates (never drawn one by one)","raw":2572,"value":"2,572","source":"County assessor owner of record","geo":"ZIP 80020, 16,513 homes on county records","as_of":"2026-10-24"},{"id":"likely","chapter":"street","label":"Homes likely to sell in the next 12 months","raw":744,"value":"about 744","source":"Lotvox Turnover Index: houses × the sale rate in its held-out backtest","geo":"ZIP 80020, 16,513 homes on county records","as_of":"2026-10-24"},{"id":"ti_capture","chapter":"street","label":"Turnover Index held-out test: share of sales it had in its top fifth (random is 20%)","raw":26.3,"value":"26.3%","source":"Lotvox Turnover Index backtest on 403 recorded sales","geo":"ZIP 80020","as_of":"2026-08-30"},{"id":"years_owned","chapter":"street","label":"Median years since the last recorded sale","raw":8.4,"value":"8.4 years","source":"County recorder deeds (97.6% of homes dated)","geo":"ZIP 80020, 16,513 homes on county records","as_of":"2026-10-25"},{"id":"mos","chapter":"town","label":"Months of supply","raw":3.07,"value":"3.1 months","source":"Redfin Data Center (public research dataset), 3-month rolling","geo":"ZIP 80020","as_of":"2026-09-30"},{"id":"new_mo","chapter":"town","label":"New listings in, per month","raw":73.3,"value":"≈ 73/mo","source":"Redfin Data Center (public research dataset)","geo":"ZIP 80020","as_of":"2026-09-30"},{"id":"sold_mo","chapter":"town","label":"Homes sold, per month","raw":56.3,"value":"≈ 56/mo","source":"Redfin Data Center (public research dataset)","geo":"ZIP 80020","as_of":"2026-09-30"},{"id":"for_sale","chapter":"town","label":"Homes for sale","raw":173,"value":"173","source":"Redfin Data Center (public research dataset)","geo":"ZIP 80020","as_of":"2026-09-30"},{"id":"unemp","chapter":"town","label":"Unemployment rate","raw":4.4,"value":"4.4% (preliminary)","source":"BLS Local Area Unemployment Statistics","geo":"Broomfield County (county figure)","as_of":"2026-08"},{"id":"permits","chapter":"town","label":"New homes permitted","raw":970,"value":"970","source":"Census Building Permits Survey","geo":"Broomfield County (county figure)","as_of":"2025"},{"id":"mig_in","chapter":"town","label":"Households moving in (top 10 origin counties)","raw":3565,"value":"3,565","source":"IRS SOI county-to-county migration","geo":"Broomfield County (county figure)","as_of":"2022–2023"},{"id":"mig_out","chapter":"town","label":"Households moving out (top 10 destination counties)","raw":3714,"value":"3,714","source":"IRS SOI county-to-county migration","geo":"Broomfield County (county figure)","as_of":"2022–2023"},{"id":"pop","chapter":"town","label":"Population","raw":53589,"value":"53,589","source":"Census ACS 2023 5-year, B01001","geo":"ZIP 80020","as_of":"2023"},{"id":"credit","chapter":"town","label":"Mortgage approval rate, home purchase (approximate)","raw":97.1,"value":"97.1%","source":"CFPB/FFIEC HMDA 2024 public data, tracts overlapping 80020","geo":"tracts overlapping 80020 (approximate)","as_of":"2024"},{"id":"sky_hail_days","chapter":"sky","label":"Hail days a year (1 inch or larger, within 15 miles)","raw":4,"value":"4.0","source":"NOAA NCEI Storm Events 2016-2025, hail 1 in or larger within 15 mi","geo":"ZIP 80020","as_of":"2026-10-15"},{"id":"sky_wind_days","chapter":"sky","label":"Damaging thunderstorm-wind days a year (50 knots or more, within 15 miles)","raw":1.9,"value":"1.9","source":"NOAA NCEI Storm Events 2016-2025, thunderstorm wind 50 kt or more within 15 mi","geo":"ZIP 80020","as_of":"2026-10-15"},{"id":"sky_flood","chapter":"sky","label":"Flood events a year (within 15 miles and the forecast zone)","raw":1.5,"value":"1.5","source":"NOAA NCEI Storm Events 2016-2025, flood events within 15 mi plus NWS zone COZ039","geo":"ZIP 80020","as_of":"2026-10-15"},{"id":"sky_tropical","chapter":"sky","label":"Tropical storm events a year (forecast zone)","raw":0,"value":"0.0","source":"NOAA NCEI Storm Events 2016-2025, NWS zone COZ039","geo":"ZIP 80020","as_of":"2026-10-15"},{"id":"sky_winter","chapter":"sky","label":"Winter storm events a year (forecast zone)","raw":8.3,"value":"8.3","source":"NOAA NCEI Storm Events 2016-2025, NWS zone COZ039","geo":"ZIP 80020","as_of":"2026-10-15"},{"id":"sky_heat_days","chapter":"sky","label":"Days at 90°F or hotter in a normal year","raw":39.4,"value":"39","source":"NOAA NCEI Climate Normals 1991-2020, median of the 3 nearest stations","geo":"ZIP 80020","as_of":"2026-10-15"},{"id":"sky_score","chapter":"sky","label":"Sky burden score (all hazards ranked against every US ZIP)","raw":null,"value":"pending","source":"Pending: needs national hazard ranks and an outcome backtest that has not run (approved rule, Brad 2026-10-15)","geo":"ZIP 80020","as_of":"pending"}]}