ZIP Code 80528 — Fort Collins, CO Home Prices (2026)
The typical home in ZIP 80528 (Fort Collins, Colorado) is worth about $647,000 at roughly $223 per square foot — 12% more expensive than the Fort Collins median and 120% more expensive than the typical U.S. home.
How 80528 compares
ZIP 80528 is one of the pricier ZIP codes in Fort Collins: its typical home value of $647,000 ranks #1 of the 5 Fort Collins ZIP codes we track (the citywide range runs from $530,000 in 80521 to $647,000 in 80528). Per square foot it costs about $223, against $280 for Fort Collins as a whole, $273 for Colorado, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 80528 | $647,000 | $223 |
| Fort Collins, CO | $577,000 | $280 |
| Colorado | $500,000 | $273 |
| United States | $294,000 | $195 |
Home value by size in 80528
Using this ZIP’s rate of about $223 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $223,000 |
| 1,500 sq ft | $334,500 |
| 2,000 sq ft | $446,000 |
| 2,500 sq ft | $557,500 |
| 3,000 sq ft | $669,000 |
Salary needed to buy a home in ZIP 80528
To buy the typical $647,000 home in ZIP 80528 with 20% down, you need a household income of roughly $176,000 a year (about $4,110 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $209,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $32,400 | $5,100/mo | $219,000/yr |
| 10% (+PMI) | $64,700 | $4,880/mo | $209,000/yr |
| 20% | $129,400 | $4,110/mo | $176,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 80528
At about $223 per square foot, here is roughly how much home different budgets get you in ZIP 80528:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $300k | 1350 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1790 sq ft | below the local median — condos, smaller or older homes |
| $500k | 2240 sq ft | below the local median — condos, smaller or older homes |
| $600k | 2690 sq ft | around the typical home here |
| $750k | 3360 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 80528 home.
Estimate a specific home in 80528
The estimator below is pre-set to ZIP 80528 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Fort Collins ZIP codes by home value
Where 80528 sits among Fort Collins’s 5 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 80528 (this page) | $647,000 | $223 |
| 2 | 80524 | $590,000 | $297 |
| 3 | 80525 | $577,000 | $258 |
| 4 | 80526 | $542,000 | $280 |
| 5 | 80521 | $530,000 | $349 |
ZIP 80528 home prices: frequently asked
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See the full Fort Collins home values page, all Colorado cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.