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Fort Collins city, CO

ZIP 80521 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 80521

Median Home Value
$541,300
Median Rent
$1,288
Affordability Snapshot
$149,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,477/mo PITI).

29%
Rent-to-Income Ratio

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

10.3x
Home Price-to-Income Ratio

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

35.0 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 80521 in Fort Collins city, CO, a household would need roughly $149,000 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 $3,477. That is about 183% above the local median household income ($52,679), 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
36.9%-44% vs US avg
x
Vacancy Rate
5.2%-50% vs US avg
x
Broadband Access
83.1%-4% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
4.3%-67% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
41.7%-16% vs US avg
x
Mortgage-Free
37.2%-3% vs US avg
x
$541,300
Home Value
$1,288
Rent
1978
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached48.8%
  • 1-unit attached5.6%
  • 2-9 units20.9%
  • 10+ units22.6%
  • Mobile home & other2.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$541,300
Median rent$1,288
Owner-occupied36.9%
Vacant5.2%
Price-to-income10.3x
Est. income to buy$149,000