{"v":2,"zip":"80027","built":"2026-10-25T11:32:50.236Z","spec_build":"20261025T1115-00c6","place":"Louisville, Boulder County, CO","state":"CO","county":{"name":"Boulder","st":"co","fips":"08013"},"page":"/denver/zip/80027","links":{"story":"/story/denver/zip/80027","page":"/denver/zip/80027"},"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 184","raw":184,"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":"$209,000 short","raw":209170,"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":"12.9 years","raw":12.9,"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":12453,"clean_parcels":12453,"acs_occupied":12692,"ratio":0.98,"covered":true,"date_cov":99.8,"value_basis":"County assessor"},"ch1":{"value":859500,"income":153165,"rate":7.32,"budget_pi":3574,"reach":650330,"gap":209170,"reaches":false,"pi":4723,"pi_share_pct":37,"tax_mo":383,"ins_mo":null,"piti":null,"piti_share_pct":null,"tax_rate":0.00535,"ins_year":null,"close":"A typical 80027 household is about $209,000 short of the median home on county records at today's 7.32% rate.","home_label":"Median home"},"ch2":{"parcels":12453,"sqft":1788,"beds":3,"year_built":1993,"value":859500,"sale_median":845000,"ti_bands":{"run_date":"2026-10-24","scored":12644,"bands":[["0–10",8147],["11–20",2815],["21–30",1360],["31–40",315],["41–50",7],["51+",0]]},"close":"The median home on county records here is a 3-bedroom, 1,788 sq ft home built around 1993; the county values it at about $860,000."},"ch3":{"owner_pct":67.5,"absentee_pct":26.6,"out_of_state_pct":4.4,"suppressed":2115,"likely":184,"likely_pct":1.4775556090901791,"years":12.9,"ti_live":true,"ti_capture":31.5,"tenure":{"counts":[["0–5 years",2842],["5–10 years",2434],["10–20 years",2826],["20+ years",4505]],"as_of":"2026-10-25"},"equity":null,"close":"About 184 of 80027's 12,453 homes are likely to sell in the next 12 months; the typical owner bought 12.9 years ago."},"ch4":{"mos":3.53,"band":[4,6],"level":0.44125,"band_level":[0.5,0.75],"new_mo":40.7,"sold_mo":40,"drain":0.584,"below_band":true,"above_band":false,"for_sale":141,"history":[{"month":"2024-10","new_mo":51.7,"sold_mo":37.7,"for_sale":151,"mos":4.01},{"month":"2024-11","new_mo":45,"sold_mo":34.3,"for_sale":132,"mos":3.85},{"month":"2024-12","new_mo":31.3,"sold_mo":36.7,"for_sale":103,"mos":2.81},{"month":"2025-01","new_mo":31.3,"sold_mo":34.3,"for_sale":118,"mos":3.44},{"month":"2025-02","new_mo":39,"sold_mo":34,"for_sale":127,"mos":3.74},{"month":"2025-03","new_mo":59.7,"sold_mo":35,"for_sale":142,"mos":4.06},{"month":"2025-04","new_mo":71.3,"sold_mo":41,"for_sale":162,"mos":3.95},{"month":"2025-05","new_mo":83,"sold_mo":47.3,"for_sale":178,"mos":3.76},{"month":"2025-06","new_mo":85,"sold_mo":56.7,"for_sale":193,"mos":3.4},{"month":"2025-07","new_mo":73.7,"sold_mo":53.3,"for_sale":176,"mos":3.3},{"month":"2025-08","new_mo":58,"sold_mo":53.7,"for_sale":159,"mos":2.96},{"month":"2025-09","new_mo":47.3,"sold_mo":43.7,"for_sale":149,"mos":3.41},{"month":"2025-10","new_mo":43,"sold_mo":43.7,"for_sale":136,"mos":3.11},{"month":"2025-11","new_mo":35.3,"sold_mo":36.7,"for_sale":112,"mos":3.05},{"month":"2025-12","new_mo":21.7,"sold_mo":35.3,"for_sale":75,"mos":2.12},{"month":"2026-01","new_mo":25.3,"sold_mo":27.3,"for_sale":83,"mos":3.04},{"month":"2026-02","new_mo":39,"sold_mo":28,"for_sale":101,"mos":3.61},{"month":"2026-03","new_mo":65,"sold_mo":29.3,"for_sale":134,"mos":4.57},{"month":"2026-04","new_mo":70.7,"sold_mo":43.3,"for_sale":138,"mos":3.19},{"month":"2026-05","new_mo":71.3,"sold_mo":47.7,"for_sale":147,"mos":3.08},{"month":"2026-06","new_mo":60.7,"sold_mo":51,"for_sale":150,"mos":2.94},{"month":"2026-07","new_mo":54,"sold_mo":51.3,"for_sale":123,"mos":2.4},{"month":"2026-08","new_mo":44.3,"sold_mo":47.7,"for_sale":125,"mos":2.62},{"month":"2026-09","new_mo":40.7,"sold_mo":40,"for_sale":141,"mos":3.53}],"overflow":false,"unemp":4.6,"permits":2001,"mig_in":5799,"mig_out":7485,"population":33998,"approval_pct":95.1,"close":"80027 holds 3.5 months of homes — below the 4–6 month balanced band. Sellers hold the cards."},"ch5":{"status":"facts","hazards":{"hail_days":3.9,"wind_days":1.4,"flood":1.3,"tropical":0,"winter":8.3,"heat_days":33.1},"close":"In a typical year the sky over 80027 brings 3.9 hail days, 1.3 flood events, 8.3 winter storms, 33 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":859500,"value":"$859,500","source":"County assessor, median value of this ZIP's homes","geo":"ZIP 80027","as_of":"2026-10-24"},{"id":"income","chapter":"family","label":"Median household income","raw":153165,"value":"$153,165","source":"Census ACS 2023 5-year, B19013","geo":"ZIP 80027","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":650330,"value":"$650,000","source":"Lotvox-derived from the three cards above","geo":"ZIP 80027","as_of":"2026-10-22"},{"id":"gap","chapter":"family","label":"Short of the median home on county records","raw":209170,"value":"$209,000","source":"Lotvox-derived","geo":"ZIP 80027","as_of":"2026-10-22"},{"id":"pi","chapter":"family","label":"Principal + interest on the median home on county records","raw":4723,"value":"$4,723/mo","source":"Lotvox-derived (20% down, 30-yr)","geo":"ZIP 80027","as_of":"2026-10-22"},{"id":"pi_share","chapter":"family","label":"P&I as a share of median income","raw":37,"value":"37.0%","source":"Lotvox-derived","geo":"ZIP 80027","as_of":"2026-10-22"},{"id":"tax","chapter":"family","label":"Property tax estimate","raw":383,"value":"$383/mo","source":"Census ACS 2023 county effective rate 0.53% × the median home on county records","geo":"Boulder 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":5106,"value":"$5,106/mo","source":"Lotvox-derived (P&I + tax; insurance pending)","geo":"ZIP 80027","as_of":"2026-10-22"},{"id":"house_value","chapter":"house","label":"County assessor median value","raw":859500,"value":"$859,500","source":"County assessor (actual value)","geo":"ZIP 80027, 12,453 homes on county records","as_of":"2026-10-24"},{"id":"sale_median","chapter":"house","label":"Median recorded sale, last 12 months","raw":845000,"value":"$845,000","source":"County recorder, 501 sales over $50,000","geo":"ZIP 80027, 12,453 homes on county records","as_of":"2026-10-08"},{"id":"parcels","chapter":"house","label":"Homes on county records","raw":12453,"value":"12,453","source":"County assessor parcels (houses, condos, townhomes)","geo":"ZIP 80027","as_of":"2026-10-24"},{"id":"sqft","chapter":"house","label":"Median size","raw":1788,"value":"1,788 sq ft","source":"County assessor (96.9% of homes report size)","geo":"ZIP 80027, 12,453 homes on county records","as_of":"2026-10-24"},{"id":"beds","chapter":"house","label":"Median bedrooms","raw":3,"value":"3","source":"County assessor (96.5% of homes report bedrooms)","geo":"ZIP 80027, 12,453 homes on county records","as_of":"2026-10-24"},{"id":"year_built","chapter":"house","label":"Median year built","raw":1993,"value":"1993","source":"County assessor","geo":"ZIP 80027, 12,453 homes on county records","as_of":"2026-10-24"},{"id":"pi_house","chapter":"house","label":"Monthly principal + interest on it","raw":4723,"value":"$4,723/mo","source":"Lotvox-derived (20% down, 30-yr, today's rate)","geo":"ZIP 80027","as_of":"2026-10-22"},{"id":"ti_scored","chapter":"house","label":"Homes the Turnover Index scored (spread by score band below)","raw":12644,"value":"12,644","source":"Lotvox Turnover Index scoring run (a ranking, not a probability)","geo":"ZIP 80027","as_of":"2026-10-24"},{"id":"tenure_20","chapter":"street","label":"Homes held 20 years or more","raw":4505,"value":"4,505","source":"County assessor and recorder public records (the ZIP story's tenure mix)","geo":"ZIP 80027","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 80027, 12,453 homes on county records","as_of":"pending"},{"id":"owner_occ","chapter":"street","label":"Homes lived in by their owner","raw":67.5,"value":"67.5%","source":"Census ACS 2023 5-year, B25003","geo":"ZIP 80027 (all occupied homes)","as_of":"2023"},{"id":"absentee","chapter":"street","label":"Owner's mailing address is elsewhere","raw":26.6,"value":"26.6%","source":"County assessor owner mailing vs. home address (92.7% known)","geo":"ZIP 80027, 12,453 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":4.4,"value":"4.4%","source":"County assessor owner mailing state (94.7% known)","geo":"ZIP 80027, 12,453 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":2115,"value":"2,115","source":"County assessor owner of record","geo":"ZIP 80027, 12,453 homes on county records","as_of":"2026-10-24"},{"id":"likely","chapter":"street","label":"Homes likely to sell in the next 12 months","raw":184,"value":"about 184","source":"Lotvox Turnover Index: houses × the sale rate in its held-out backtest","geo":"ZIP 80027, 12,453 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":31.5,"value":"31.5%","source":"Lotvox Turnover Index backtest on 124 recorded sales","geo":"ZIP 80027","as_of":"2026-09-12"},{"id":"years_owned","chapter":"street","label":"Median years since the last recorded sale","raw":12.9,"value":"12.9 years","source":"County recorder deeds (99.8% of homes dated)","geo":"ZIP 80027, 12,453 homes on county records","as_of":"2026-10-25"},{"id":"mos","chapter":"town","label":"Months of supply","raw":3.53,"value":"3.5 months","source":"Redfin Data Center (public research dataset), 3-month rolling","geo":"ZIP 80027","as_of":"2026-09-30"},{"id":"new_mo","chapter":"town","label":"New listings in, per month","raw":40.7,"value":"≈ 41/mo","source":"Redfin Data Center (public research dataset)","geo":"ZIP 80027","as_of":"2026-09-30"},{"id":"sold_mo","chapter":"town","label":"Homes sold, per month","raw":40,"value":"≈ 40/mo","source":"Redfin Data Center (public research dataset)","geo":"ZIP 80027","as_of":"2026-09-30"},{"id":"for_sale","chapter":"town","label":"Homes for sale","raw":141,"value":"141","source":"Redfin Data Center (public research dataset)","geo":"ZIP 80027","as_of":"2026-09-30"},{"id":"unemp","chapter":"town","label":"Unemployment rate","raw":4.6,"value":"4.6% (preliminary)","source":"BLS Local Area Unemployment Statistics","geo":"Boulder County (county figure)","as_of":"2026-08"},{"id":"permits","chapter":"town","label":"New homes permitted","raw":2001,"value":"2,001","source":"Census Building Permits Survey","geo":"Boulder County (county figure)","as_of":"2025"},{"id":"mig_in","chapter":"town","label":"Households moving in (top 10 origin counties)","raw":5799,"value":"5,799","source":"IRS SOI county-to-county migration","geo":"Boulder County (county figure)","as_of":"2022–2023"},{"id":"mig_out","chapter":"town","label":"Households moving out (top 10 destination counties)","raw":7485,"value":"7,485","source":"IRS SOI county-to-county migration","geo":"Boulder County (county figure)","as_of":"2022–2023"},{"id":"pop","chapter":"town","label":"Population","raw":33998,"value":"33,998","source":"Census ACS 2023 5-year, B01001","geo":"ZIP 80027","as_of":"2023"},{"id":"credit","chapter":"town","label":"Mortgage approval rate, home purchase (approximate)","raw":95.1,"value":"95.1%","source":"CFPB/FFIEC HMDA 2024 public data, tracts overlapping 80027","geo":"tracts overlapping 80027 (approximate)","as_of":"2024"},{"id":"sky_hail_days","chapter":"sky","label":"Hail days a year (1 inch or larger, within 15 miles)","raw":3.9,"value":"3.9","source":"NOAA NCEI Storm Events 2016-2025, hail 1 in or larger within 15 mi","geo":"ZIP 80027","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":1.4,"value":"1.4","source":"NOAA NCEI Storm Events 2016-2025, thunderstorm wind 50 kt or more within 15 mi","geo":"ZIP 80027","as_of":"2026-10-15"},{"id":"sky_flood","chapter":"sky","label":"Flood events a year (within 15 miles and the forecast zone)","raw":1.3,"value":"1.3","source":"NOAA NCEI Storm Events 2016-2025, flood events within 15 mi plus NWS zone COZ039","geo":"ZIP 80027","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 80027","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 80027","as_of":"2026-10-15"},{"id":"sky_heat_days","chapter":"sky","label":"Days at 90°F or hotter in a normal year","raw":33.1,"value":"33","source":"NOAA NCEI Climate Normals 1991-2020, median of the 3 nearest stations","geo":"ZIP 80027","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 80027","as_of":"pending"}]}