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Castle Rock town, CO

ZIP 80109 — 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 80109

Median Home Value
$648,900
Median Rent
$2,077
Affordability Snapshot
$179,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,168/mo PITI).

17%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

26.0 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 80109 in Castle Rock town, CO, a household would need roughly $179,000 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 $4,168. That is about 21% above the local median household income ($148,417), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
79.3%+21% vs US avg
x
Vacancy Rate
1.6%-85% vs US avg
x
Broadband Access
97.1%+12% vs US avg
x
4+ Bedrooms
20.3%+37% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
3.5%-50% vs US avg
x
Rent Burden >30%
28.0%-44% vs US avg
x
Mortgage-Free
14.2%-63% vs US avg
x
$648,900
Home Value
$2,077
Rent
2007
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached79.9%
  • 1-unit attached7.0%
  • 2-9 units5.3%
  • 10+ units6.9%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$648,900
Median rent$2,077
Owner-occupied79.3%
Vacant1.6%
Price-to-income4.4x
Est. income to buy$179,000