Fort Lupton, CO—80621
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Fort Lupton, CO
As of Oct '25, the median home price in Fort Lupton, CO is $471,000, with a year-over-year change of 0.1%. This indicates that home prices in Fort Lupton, CO are flat. According to Zillow, the 1-year price projection is -0.9%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $471,000 | 0.1% |
| Single Family | $472,000 | -0.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $362,000 | -0.5% |
3 Bed | $456,000 | -1.5% |
4 Bed | $502,000 | -2.1% |
| 5 Bed | $612,000 | -1.4% |
% of Housing Stock
Rental Trends — Fort Lupton, CO
As of July '25, Rentcast reports the average rent in Fort Lupton, CO is $2,100, with a year-over-year rent change of 0.5%. Per bedroom, the median rent as of July '25 in Fort Lupton, CO is 1-bedrooms: $980, 2-bedrooms: $1,840, 3-bedrooms: $2,600, 4-bedrooms: $3,110. The most common rental property sizes in Fort Lupton, CO are 2-bedroom and 3-bedroom, accounting for 44.2% and 36.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,150 | $2,100 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,100 | $980 |
| 2 Bed Rent | $1,850 | $1,840 |
| 3 Bed Rent | $2,600 | $2,600 |
| 4 Bed Rent | $2,630 | $3,110 |
% of Rental Stock
Property Listings — Fort Lupton, CO
As of Oct '25, Realtor.com reports that the median days on market for a home in Fort Lupton, CO is 71. This is a decrease of -4.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 28.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $495,000 | -2.0% |
Listing Count | 116 | 15.0% |
| Listings as % of Homes | 1.3% | 15.0% |
Days on Market | 71 | -4.0% |
Demographics — Fort Lupton, CO
As of the latest ACS Survey released in 2023, Fort Lupton, CO has a population of 14,500, which has increased by 14.2% over the past 5 years. Fort Lupton, CO is a moderately popular place for families, as children make up 24.7% of the population. The area has a poorly educated workforce, with 18.0% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 14,500 | 14.2% |
% Under 18 | 24.7% | -9.9% |
% Seniors | 13.4% | 10.7% |
% WFH | 8.3% | 245.8% |
% w/ College Degree | 18.0% | 22.4% |
As of the latest ACS Survey released in 2023, Fort Lupton, CO is a predominantly hispanic area, with 51.4% of the population identifying as hispanic. The hispanic population has grown by 20.9% in the last 5 years. The second most common race or ethnicity in Fort Lupton, CO is white, making up 44.0% of the population. Foreign-born residents account for 14.2% of the population in Fort Lupton, CO, and this percentage has increased by 24.6% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 44.0% | -19.3% |
% Black | 0.8% | 33.3% |
% Hispanic | 51.4% | 20.9% |
% Asian | 0.4% | 0.0% |
% Foreign Born | 14.2% | 24.6% |
Mortgage and Risk — Fort Lupton, CO
According to HUD data as of 2023, there were 507 mortgage originations in Fort Lupton, CO, of which 59.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 50.0% above 90% LTV (very high). This implies large mortgage risk in Fort Lupton, CO. Investor activity is low, as 0.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 507 |
% Conventional Loans | 59.0% |
% Government Loans | 41.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — Fort Lupton, CO
As of 2024, the percent of homes in Fort Lupton, CO under the Section 8 program is 6.8%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Fort Lupton, CO, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 168 |
Total Units Section 8 | 118 |
% Rentals under Section 8 | 6.8% |
% Occupied Section 8 | 94.4% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$10 | $1,100 | $1,090 |
| 2 Bedroom | -$460 | $1,850 | $1,390 |
| 3 Bedroom | -$650 | $2,600 | $1,950 |
| 4 Bedroom | -$410 | $2,630 | $2,220 |
Affordability — Fort Lupton, CO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.8 |
| Median Home Price | $471,000 |
| Median Household Income | $80,700 |