Real Estate Investing in Granby, Colorado (80478)

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

Grand County • Population: 1,604 • Data updated: September 2026

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Should you buy in 80478 (Granby, CO)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (20/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
3 flags
  • High vacancy: 53.2% of homes vacant — above national norms.
  • Flat appreciation: Values have barely moved over 5 years (0.3% CAGR).
  • High price-to-rent: Price-to-rent ratio 60.8 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Granby, CO (80478)?

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2.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $1,036,739
Avg Monthly Rent $1,422
1% Rule ✗ Does Not Meet
Median Income $97,227
% Renters 7.6%

Market Analysis: 80478 Granby

This part of Grand County is not an easy win. The 80478 ZIP stands at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

Distressed markets are won on execution, not on spreadsheets. ZIP 80478 stands at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Regionally, 80478 sits on the difficult end of the CO spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.

Resident income in 80478 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Strategy in 80478 is an operator game, not a passive one. Put differently, entry prices of $1.0M are inviting, the management lift is real and non-optional.

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 Granby:

D Needs Caution
Buy Confidence Score: 40/100
Affordability
0/25
Appreciation
10/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 10.7× the median income
Value Trend
Stable (+0.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,422/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
🏠

Property Strategy for 80478

Which property type performs best in this market?

Best for Cash Flow
4BR
1.5% cap rate
Best for Appreciation
3BR
+4.6% 5yr CAGR
Best Overall Value
4BR
$308,726/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $935,307 $1,890 1.5% +4.6% $311,769
4BR $1,234,906 $2,650 1.5% +4.1% $308,726

Market Trends

Home Value History (with trend line)

$1.3M$1.1M$898K$715K$531K$348KJan 2012May 2019Jul 2026

📊 How Does 80478 Compare?

Metric 80478 Granby Colorado
Home Value $1,036,739 $884,547 $535,778
5-Year CAGR 0.3% 1.6% 4.9%
Avg Rent $1,422 $2,029 -
Cap Rate 1.1% 1.9% -
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 80478 (Granby, CO). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
1.1%
Low
5yr Growth
+0.3%
Slow

📊 Market Snapshot

Home Value $1,036,739
Monthly Rent $1,422
Price-to-Rent 60.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 1.7%
Cap Rate 1.1%
5-Year IRR 1.4%

📈 Home Appreciation

1-Year +0.1% ▲
3-Year CAGR +1.0% ▲
5-Year CAGR +0.3% ▲
10-Year CAGR +7.1% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 1.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.1%). 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
53.2%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+0.3%
Flat
Eviction process: Moderate Rent control: Favorable

Demographics in 80478

Population: 1,604

💰 Median Household Income
$97,227
This area
$97,227
State
$79,719
USA
$74,580
🏠 Renter Occupied
7.6%
This area
7.6%
State
26.4%
USA
34.0%
💼 Unemployment Rate
1.5%
This area
1.5%
State
-25.8%
USA
3.7%
🎓 College Educated
36.2%
This area
36.2%
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
53.2%
This area
53.2%
State
18.7%
USA
10.5%
👥 Population by Ethnicity
White 91.4%
Other/Mixed 7.7%
Hispanic/Latino 5.5%
Black/African American 1.0%
👶 Under 18
15.7%
This area
15.7%
USA
22.0%
👴 65 and Over
17.8%
This area
17.8%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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

Frequently Asked Questions

How deep is the rental pool in Granby, CO?

Granby, CO offers a stable renter base at the $1,422/mo rent level. Tenant turnover is reasonable for well-managed properties.

Is Granby in CO worth investing in?

The 2.0/5 investability rating in Granby, CO reflects its $1.0M prices and $1,422/mo rents. Investors generally consider it a solid option within CO.

How tight is the rental market in Granby, CO?

Occupancy in Granby, CO runs even-keeled with elevated vacancy. Well-priced units at $1,422/mo lease on reasonable timelines.

How strict are landlord regulations in Granby, CO?

CO law landlord-friendly for landlords, and Granby inherits those rules. Investors should still review local ordinances for rental licensing.

What are home prices like in Granby, CO?

Expect median prices around $1.0M in Granby, CO. The market has run at a 0.0% 5-year CAGR, so entry costs have been steady.

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