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Greeley city, CO

ZIP 80631 — Housing & Real Estate

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

Working ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 80631

Median Home Value
$300,400
Median Rent
$1,071
Affordability Snapshot
$83,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,930/mo PITI).

24%
Rent-to-Income Ratio

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

5.7x
Home Price-to-Income Ratio

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

23.4 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 80631 in Greeley city, CO, a household would need roughly $83,000 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 $1,930. That is about 58% above the local median household income ($52,470), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
46.6%-29% vs US avg
x
Vacancy Rate
6.3%-39% vs US avg
x
Broadband Access
85.9%-1% vs US avg
x
4+ Bedrooms
6.0%-59% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
32.2%-35% vs US avg
x
Mortgage-Free
38.1%-0% vs US avg
x
$300,400
Home Value
$1,071
Rent
1974
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 detached46.2%
  • 1-unit attached3.6%
  • 2-9 units22.6%
  • 10+ units16.1%
  • Mobile home & other11.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$300,400
Median rent$1,071
Owner-occupied46.6%
Vacant6.3%
Price-to-income5.7x
Est. income to buy$83,000