3-digit ZIP regional index
Home appreciation in ZIP codes 805xxFort Collins, CO area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 805 changed -0.3% over the year to Q2 2026, compared with +0.2% for Colorado and +3.0% for the United States.
The region covers ZIP codes 80501–80550. Most of its 2010 population lived in Larimer County (61%), Boulder County (23%), Weld County (16%). Communities in the region include Longmont, Loveland, Windsor, Erie, Firestone. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- -0.3%
- 5-year change
- +26.4%
- Since Q1 1995
- +338%
- National rank (1 year)
- 828th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 805 vs Colorado and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 805: 438.1
- Colorado: 467.1
- Fort Collins-Loveland, CO metro: 449.1
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 805 | CO | U.S. | Gap vs CO | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | -0.3% | +0.2% | +3.0% | −0.5 pts | −3.3 pts |
| 3 years | +3.0% | +3.4% | +12.9% | −0.4 pts | −9.9 pts |
| 5 years | +26.4% | +25.0% | +41.3% | +1.3 pts | −14.9 pts |
| 10 years | +80.5% | +85.2% | +93.3% | −4.7 pts | −12.8 pts |
| Since Q1 1995 | +338% | +367% | +292% | −29.0 pts | +46.6 pts |
If you bought in ZIP3 805 in…
Applying the regional index change from the same quarter of each year to Q2 2026 to an example $300,000 purchase price. Individual homes can differ widely from the regional average.
| Bought in | Index change | $300,000 then, at the regional rate |
|---|---|---|
| Q2 1995 | +329% | $1,286,134 |
| Q2 2000 | +213% | $938,183 |
| Q2 2005 | +146% | $736,674 |
| Q2 2010 | +157% | $770,941 |
| Q2 2015 | +102% | $606,787 |
| Q2 2020 | +41.0% | $422,985 |
| Q2 2021 | +26.4% | $379,067 |
| Q2 2023 | +3.0% | $308,869 |
| Q2 2025 | -0.3% | $299,242 |
How ZIP3 805 ranks
Over the past year ZIP3 805 ranks 828th of 882 3-digit ZIP regions nationally and 11th of 17 in Colorado. Its one-year change is −3.3 pts versus the nation and −0.5 pts versus Colorado. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Colorado |
|---|---|---|
| 1 year | 828th of 882 | 11th of 17 |
| 3 years | 854th of 882 | 11th of 17 |
| 5 years | 821st of 882 | 10th of 17 |
| 10 years | 599th of 882 | 14th of 17 |
| Since Q1 1995 | 196th of 879 | 12th of 17 |
Boom, bust, and recovery in ZIP3 805
ZIP3 805's index peaked in Q1 2006, fell 7.0% to its low in Q2 2011, and regained its peak in Q3 2013, about 7.5 years after the top. Today it sits +142% versus that 2000s peak. How every state and ZIP region fared
| Area | 2000s peak | Low point | Peak to low | Back to peak | Today vs peak |
|---|---|---|---|---|---|
| ZIP3 805 | Q1 2006 | Q2 2011 | -7.0% | Q3 2013 (7.5 yrs) | +142% |
| CO | Q1 2008 | Q2 2011 | -10.1% | Q1 2014 (6 yrs) | +136% |
| Metro | Q1 2007 | Q1 2011 | -5.2% | Q1 2013 (6 yrs) | +147% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 805's index has changed +97.9% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 805 after inflation | CO after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -4.0% | -3.5% | -3.5% | -0.8% |
| 3 years | +9.8% | -6.2% | -5.8% | -5.3% | +2.8% |
| 5 years | +24.0% | +1.9% | +0.8% | +4.3% | +13.9% |
| 10 years | +39.1% | +29.8% | +33.1% | +31.4% | +39.0% |
| Since Q1 1995 | +121% | +97.9% | +111% | +103% | +76.8% |
Estimate appreciation for a home in ZIP3 805
Regional estimate
$541,533
- Estimated gain
- $241,533
- Index change
- +80.51%
- Start index
- 242.70
- End index
- 438.10
ZIP3 805 (Fort Collins, CO area), Q2 2016 to Q2 2026. Index type: Native 3-Digit ZIP index.
Nearby 3-digit ZIP regions
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 |
|---|---|---|---|---|
| 806 · Greeley, CO area | CO | +0.3% | +25.0% | +323% |
| 803 · Boulder, CO area | CO | -1.8% | +21.9% | +400% |
| 800 · Aurora, CO area | CO | -0.4% | +22.4% | +370% |
| 802 · Denver, CO area | CO | +0.1% | +19.6% | +473% |
| 804 · Golden, CO area | CO | -1.1% | +29.2% | +394% |
| 820 · Cheyenne, WY area | WY | +4.9% | +39.3% | +319% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 438.10 |
| Q1 2026 | 442.04 |
| Q4 2025 | 438.80 |
| Q3 2025 | 441.28 |
| Q2 2025 | 439.21 |
| Q1 2025 | 440.28 |
| Q4 2024 | 433.93 |
| Q3 2024 | 436.62 |
| Q2 2024 | 435.94 |
| Q1 2024 | 426.26 |
| Q4 2023 | 422.25 |
| Q3 2023 | 424.37 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 805?
- Based on FHFA HPI® data for 3-digit ZIP region 805, the regional index changed -0.3% over the year to Q2 2026, +26.4% over five years, +80.5% over ten years, and +338% since Q1 1995.
- Is ZIP3 805 appreciating faster than Colorado and the U.S.?
- Over the past year the region's index -0.3% compares with +0.2% for Colorado and +3.0% for the U.S., a gap of −3.3 pts versus the nation. Over five years the gap versus the nation is −14.9 pts.
- Which ZIP codes are in 3-digit ZIP region 805?
- All ZIP codes that begin with 805. Census 2010 ZIP Code Tabulation Areas in this region run from 80501 to 80550 (33 areas). FHFA publishes one index for the whole 3-digit region, not for each 5-digit ZIP code.
- Can I use this to value my home?
- No. The FHFA HPI® is a broad regional index of average price movement. It is not an appraisal, tax assessment, or automated valuation of any individual property. Use it as general context alongside local sales and a professional opinion.