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Lafayette city, CO

ZIP 80026 — 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 80026

Median Home Value
$664,000
Median Rent
$1,853
Affordability Snapshot
$183,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,265/mo PITI).

19%
Rent-to-Income Ratio

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

5.8x
Home Price-to-Income Ratio

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

29.9 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 80026 in Lafayette city, CO, a household would need roughly $183,000 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 $4,265. That is about 59% above the local median household income ($115,031), 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
67.5%+3% vs US avg
x
Vacancy Rate
1.9%-82% vs US avg
x
Broadband Access
95.7%+10% vs US avg
x
4+ Bedrooms
10.9%-26% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
25.1%-50% vs US avg
x
Mortgage-Free
31.7%-17% vs US avg
x
$664,000
Home Value
$1,853
Rent
1993
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 detached58.2%
  • 1-unit attached15.8%
  • 2-9 units9.6%
  • 10+ units11.4%
  • Mobile home & other4.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$664,000
Median rent$1,853
Owner-occupied67.5%
Vacant1.9%
Price-to-income5.8x
Est. income to buy$183,000