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Boulder city, CO

ZIP 80304 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 80304

Median Home Value
$1,166,100
Median Rent
$1,896
Affordability Snapshot
$321,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,491/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

9.6x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

51.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 80304 in Boulder city, CO, a household would need roughly $321,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $7,491. That is about 164% above the local median household income ($121,534), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
69.5%+6% vs US avg
x
Vacancy Rate
4.6%-55% vs US avg
x
Broadband Access
96.8%+11% vs US avg
x
4+ Bedrooms
9.7%-35% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
22.1%-55% vs US avg
x
Mortgage-Free
42.2%+11% vs US avg
x
$1,166,100
Home Value
$1,896
Rent
1979
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached56.0%
  • 1-unit attached11.2%
  • 2-9 units16.3%
  • 10+ units12.0%
  • Mobile home & other4.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,166,100
Median rent$1,896
Owner-occupied69.5%
Vacant4.6%
Price-to-income9.6x
Est. income to buy$321,000