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Fort Collins city, CO

ZIP 80524 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 80524

Median Home Value
$527,700
Median Rent
$1,519
Affordability Snapshot
$145,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,390/mo PITI).

22%
Rent-to-Income Ratio

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

6.2x
Home Price-to-Income Ratio

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

28.9 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 80524 in Fort Collins city, CO, a household would need roughly $145,000 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 $3,390. That is about 72% above the local median household income ($84,440), 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
66.7%+2% vs US avg
x
Vacancy Rate
5.3%-49% vs US avg
x
Broadband Access
91.1%+5% vs US avg
x
4+ Bedrooms
7.6%-49% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
30.1%-39% vs US avg
x
Mortgage-Free
33.8%-12% vs US avg
x
$527,700
Home Value
$1,519
Rent
1991
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 detached62.2%
  • 1-unit attached7.0%
  • 2-9 units9.8%
  • 10+ units9.1%
  • Mobile home & other11.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$527,700
Median rent$1,519
Owner-occupied66.7%
Vacant5.3%
Price-to-income6.2x
Est. income to buy$145,000