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Fort Collins city, CO

ZIP 80528 — 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 80528

Median Home Value
$654,200
Median Rent
$1,798
Affordability Snapshot
$180,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,202/mo PITI).

18%
Rent-to-Income Ratio

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

5.4x
Home Price-to-Income Ratio

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

30.3 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 80528 in Fort Collins city, CO, a household would need roughly $180,000 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 $4,202. That is about 47% above the local median household income ($122,133), 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
2.9%-72% vs US avg
x
Broadband Access
98.0%+13% vs US avg
x
4+ Bedrooms
16.6%+12% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
5.2%-24% vs US avg
x
Rent Burden >30%
12.5%-75% vs US avg
x
Mortgage-Free
22.1%-42% vs US avg
x
$654,200
Home Value
$1,798
Rent
2005
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached61.4%
  • 1-unit attached8.7%
  • 2-9 units9.7%
  • 10+ units16.4%
  • Mobile home & other3.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$654,200
Median rent$1,798
Owner-occupied66.0%
Vacant2.9%
Price-to-income5.4x
Est. income to buy$180,000