US5.com
  1. Home
  2. States
  3. Colorado
  4. ZIP 80427
  5. Housing & Real Estate
Central City city, CO

ZIP 80427 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 80427

Median Home Value
$380,100
Median Rent
$1,367
Affordability Snapshot
$105,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,442/mo PITI).

26%
Rent-to-Income Ratio

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

6.1x
Home Price-to-Income Ratio

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

23.2 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 80427 in Central City city, CO, a household would need roughly $105,000 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 $2,442. That is about 68% above the local median household income ($62,569), 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

Vacancy rate 30% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
50.1%-23% vs US avg
x
Vacancy Rate
30.3%+195% vs US avg
x
Broadband Access
84.5%-3% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
28.7%-42% vs US avg
x
Mortgage-Free
34.9%-9% vs US avg
x
$380,100
Home Value
$1,367
Rent
1968
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached49.1%
  • 1-unit attached11.0%
  • 2-9 units16.6%
  • 10+ units22.0%
  • Mobile home & other1.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$380,100
Median rent$1,367
Owner-occupied50.1%
Vacant30.3%
Price-to-income6.1x
Est. income to buy$105,000