Real Estate Investing in Georgetown, Colorado (80444)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Clear Creek County • Population: 1,082 • Data updated: September 2026

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Should you buy in 80444 (Georgetown, CO)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (38/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 22.9% of homes vacant — above national norms.

What’s happening in Georgetown, CO (80444)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $481,377
Avg Monthly Rent $1,850
1% Rule ✗ Does Not Meet
Median Income $56,458
% Renters 35.9%

Market Analysis: 80444 Georgetown

In practical terms, ZIP 80444 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $481K median. It rewards specialists, not generalists.

From a cash-flow lens, the numbers look inviting — $481K purchase price, 0.0% nominal cap — the work to hit that pro forma in 80444 is substantial and deserves full respect.

Within CO, ZIP 80444 trails on several market indicators that neighboring Clear Creek County submarkets outperform. The gap is real and significant enough to shape underwriting.

Stepping back, 1,082 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

Strategically, 80444 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Georgetown:

C Below Average
Buy Confidence Score: 50/100
Affordability
0/25
Appreciation
18/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 8.5× the median income
Value Trend
Declining (-0.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,850/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
❄️
COOL MARKET
Denver-Aurora-Lakewood, CO Metro Area
More inventory, negotiating room for buyers
53 days
Average time to sell
Average
12.8%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Denver-Aurora-Lakewood, CO metro data
🏠

Property Strategy for 80444

Which property type performs best in this market?

Best for Cash Flow
2BR
3.5% cap rate
Best for Appreciation
2BR
+7.6% 5yr CAGR
Best Overall Value
3BR
$191,740/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $399,269 $1,930 3.5% +7.6% $199,635
3BR $575,220 $2,520 3.2% +6.9% $191,740

Market Trends

Home Value History (with trend line)

$516K$440K$364K$288K$212K$136KFeb 2009Nov 2017Jul 2026

Rent History (with trend line)

$1,860$1,830$1,800$1,770$1,740$1,710Oct 2025Mar 2026Jul 2026

📊 How Does 80444 Compare?

Metric 80444 Georgetown Denver-Aurora-Lakewood, CO Colorado
Home Value $481,377 $481,377 N/A $535,778
5-Year CAGR 3.1% 3.1% N/A 4.9%
Avg Rent $1,850 $1,850 N/A -
Cap Rate 3.0% 3.0% - -
💡 Why Invest in 80444? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

A healthy rental market with 36% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 80444 (Georgetown, CO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.0%
Low
5yr Growth
+3.1%
Moderate

📊 Market Snapshot

Home Value $481,377
Monthly Rent $1,850
Price-to-Rent 21.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.6%
Cap Rate 3.0%
5-Year IRR 6.1%

📈 Home Appreciation

1-Year -0.1% ▼
3-Year CAGR +0.1% ▲
5-Year CAGR +3.1% ▲
10-Year CAGR +7.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.0%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
22.9%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.1%
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 80444

Population: 1,082

💰 Median Household Income
$56,458
This area
$56,458
State
$79,719
USA
$74,580
🏠 Renter Occupied
35.9%
This area
35.9%
State
26.4%
USA
34.0%
💼 Unemployment Rate
5.7%
This area
5.7%
State
-25.8%
USA
3.7%
🎓 College Educated
39.8%
This area
39.8%
State
5.8%
USA
33.7%
👤 Median Age
44.0 years
This area
44.0 years
State
-0.1 years
USA
38.9 years
🏚️ Vacancy Rate
22.9%
This area
22.9%
State
18.7%
USA
10.5%
👥 Population by Ethnicity
White 90.8%
Other/Mixed 8.7%
Hispanic/Latino 6.7%
Black/African American 0.5%
👶 Under 18
9.1%
This area
9.1%
USA
22.0%
👴 65 and Over
21.2%
This area
21.2%
USA
17.3%
📊 Poverty Rate
3.4%
This area
3.4%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 80444

A Avg School Grade
1 Schools
10.8:1 Avg Class Size
$24,455 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Georgetown Community School

📚 Pre-K – 06 School Charter
👥
85 Students
👨‍🏫
10.8:1 Class Size
💰
$24,455 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

What is the average monthly rent in Georgetown, CO?

The typical rental in Georgetown, CO commands about $1,850/mo monthly. That rent profile reliable cash flow against the $481K purchase basis.

What price range are homes in Georgetown, CO?

In Georgetown, CO the median home value sits at $481K. Against the broader CO market, that reads as reasonable for most investors.

What kind of vacancy should I budget for in Georgetown, CO?

Rental vacancy in Georgetown, CO is elevated. Investors should budget normal turnover but not chronic empty units.

Can I house hack in Georgetown, CO?

The house hack math a challenging in Georgetown, CO. Owner-occupant buyers benefit from the $1,850/mo rents and $481K home values.

Is Georgetown, CO a good market for buy-and-hold investors?

Georgetown, CO scores 3.0/5 for investability. Home values sit at $481K and rents near $1,850/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

You know 80444 now. You don’t know where it ranks.

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How 80444 ranks in Denver-Aurora-Lakewood, CO

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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