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Coal Creek CDP, CO

ZIP 80403 — 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 80403

Median Home Value
$797,100
Median Rent
$1,910
Affordability Snapshot
$219,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,120/mo PITI).

16%
Rent-to-Income Ratio

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

5.5x
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 80403 in Coal Creek CDP, CO, a household would need roughly $219,000 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 $5,120. That is about 51% above the local median household income ($145,315), 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
86.9%+33% vs US avg
x
Vacancy Rate
5.5%-47% vs US avg
x
Broadband Access
96.8%+11% vs US avg
x
4+ Bedrooms
14.4%-2% vs US avg
x
Built Pre-1939
1.1%-92% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
29.4%-41% vs US avg
x
Mortgage-Free
33.2%-13% vs US avg
x
$797,100
Home Value
$1,910
Rent
1992
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached86.1%
  • 1-unit attached4.8%
  • 2-9 units4.7%
  • 10+ units2.5%
  • Mobile home & other2.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$797,100
Median rent$1,910
Owner-occupied86.9%
Vacant5.5%
Price-to-income5.5x
Est. income to buy$219,000