Loveland, Colorado.
Typical home $493,188 (-0.7% in a year), asking rent $1,932 (+1.1%). Fort Collins, CO metro.
to buy the typical home at today's mortgage rate — +$1,188 (+85%) since Jan 2020.
- 1 year
- Down $3,408 -1%
- $496,595$493,188 since Sep 2025
- 5 years
- Up $35,710 +8%
- $457,478$493,188 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Loveland$2,589
- Colorado$2,777
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 46 years.
Typical home values in Loveland, CO fell 0.7% over the past year — slower than the nation's +1.2%.
Asking rents in Loveland, CO rose 1.1% over the past year — slower than the nation's +2.7%.
Owning the typical home in Loveland runs $1,389/mo more than renting one. The gap peaked at $1,681 in Oct 2023.
That is $3,321 a month against $1,932 rent: a $2,589 mortgage payment, plus $205 property tax and $528 insurance & upkeep.
Owning vs renting — Loveland
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,321
- Renting$1,932
- Mortgage only$2,589
Property tax · $205/mo 0.50% of value a year — the ACS 2020-2024 median bill over the median home value for Larimer County, CO
Insurance & upkeep · $528/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Loveland, Larimer County, Colorado
Loveland is a city of 76,378 people in Larimer County. Half its households earn more than $84,604 a year and half less, against $93,765 across Larimer County; 8% of its people live below the poverty line. 62% of its homes are lived in by their owners and 38% are rented. Unemployment in Loveland was 4.8% in August 2026, and Larimer County had 2.3% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Loveland is a city in Larimer County, in northern Colorado. Residents are a little older than the typical American, and most homes are lived in by their owners. Incomes run below the county's, and typical home values and rents are on the high side. About as many adults hold a four-year degree as not.
Work. Many residents work in schools, hospitals and social care, with others in professional and business services, manufacturing and shops. Among the largest workplaces in town are Thompson School District R, Hach Company, which makes laboratory analytical instruments, and the Veterans Health Administration. Unemployment is a little higher than a year ago, and across Larimer County there are fewer jobs than in the year before. Commutes are of middling length, and a good number of people work from home.
Things to do. Boyd Lake State Park, a protected area, lies in or beside town. The Cache La Poudre River Corridor National Heritage Area is a short drive away. Horsetooth Reservoir is a longer drive away. Winters are cold and snowy, summers are warm, and the year is fairly dry overall.
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- 34,367households
- 39%of adults have a degree
- 8%below the poverty line
- 26 mintypical commute
- 20%work from home
What residents work in
Employed residents by industry, from the Census survey. Larimer County had 171,281 jobs in 2025, 2.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 44° and lows near 13°; warmest in July, with highs near 89° and lows near 55°. About 47 inches of snow and 16 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Loveland 2N weather station, 2 miles away (NOAA).
Largest workplaces in Loveland
- Thompson School District R-2JSchool district2,153FTE
- Hach CompanyLaboratory analytical instruments manufacturing1,300
- WalmartGeneral warehousing and storage1,180
- WalmartWarehouse clubs and supercenters388
- LPR ContstuctionErecting structural steel378
- Veterans Health AdministrationFederal government · Department of Veterans Affairs330
- Mckee Medical CenterGeneral hospital327FTE
- WalmartWarehouse clubs and supercenters319
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 62 workplaces with 20 or more staff, 8,274 people in all. School districts come from the Common Core of Data (NCES, 2023–24), federal offices from OPM's federal workforce data (2026) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningVery high
- Winter weatherRelatively high
- HailRelatively high
- Cold wavesRelatively high
- AvalanchesRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Loveland’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Larimer County and the Fort Collins, CO metro.
Loveland home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Loveland$493,188
- Colorado$529,013
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Loveland listings, and the typical home goes pending in 28 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Loveland34.25%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Loveland28
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Loveland503
New listings per month
Sellers arriving at the market.
- Loveland143
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Loveland$503,747
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Loveland98.73%
Zip codes with a Loveland address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Loveland — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Loveland
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 80538 | Loveland | 50,110 | $2,017 | $494,939 |
| 80537 | Loveland | 44,425 | $1,798 | $490,661 |