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Golden city, CO

ZIP 80401 — 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 80401

Median Home Value
$748,800
Median Rent
$1,791
Affordability Snapshot
$206,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,810/mo PITI).

19%
Rent-to-Income Ratio

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

6.7x
Home Price-to-Income Ratio

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

34.8 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 80401 in Golden city, CO, a household would need roughly $206,000 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 $4,810. That is about 83% above the local median household income ($112,444), 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
66.0%+1% vs US avg
x
Vacancy Rate
4.2%-60% vs US avg
x
Broadband Access
93.8%+8% vs US avg
x
4+ Bedrooms
11.6%-22% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
1.9%-72% vs US avg
x
Rent Burden >30%
27.5%-45% vs US avg
x
Mortgage-Free
36.0%-6% vs US avg
x
$748,800
Home Value
$1,791
Rent
1978
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached58.0%
  • 1-unit attached9.1%
  • 2-9 units9.5%
  • 10+ units18.7%
  • Mobile home & other4.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$748,800
Median rent$1,791
Owner-occupied66.0%
Vacant4.2%
Price-to-income6.7x
Est. income to buy$206,000