Loveland, OH—45140
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Loveland, OH
As of Oct '25, the median home price in Loveland, OH is $434,000, with a year-over-year change of 4.7%. This indicates that home prices in Loveland, OH are increasing. According to Zillow, the 1-year price projection is 1.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $434,000 | 4.7% |
| Single Family | $448,000 | 5.2% |
| Condos | $251,000 | 0.4% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $245,000 | 3.4% |
3 Bed | $337,000 | 3.7% |
4 Bed | $540,000 | 5.3% |
| 5 Bed | $727,000 | 3.9% |
% of Housing Stock
Rental Trends — Loveland, OH
As of July '25, Rentcast reports the average rent in Loveland, OH is $2,180, with a year-over-year rent change of 5.8%. Per bedroom, the median rent as of July '25 in Loveland, OH is 1-bedrooms: $1,250, 2-bedrooms: $1,490, 3-bedrooms: $2,300, 4-bedrooms: $3,380. The most common rental property sizes in Loveland, OH are 2-bedroom and 1-bedroom, accounting for 53.9% and 26.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,190 | $2,180 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,260 | $1,250 |
| 2 Bed Rent | $1,350 | $1,490 |
| 3 Bed Rent | $2,370 | $2,300 |
| 4 Bed Rent | $3,700 | $3,380 |
% of Rental Stock
Property Listings — Loveland, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Loveland, OH is 25. This is a decrease of -20.0% 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 31.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $432,000 | -13.0% |
Listing Count | 172 | -3.0% |
| Listings as % of Homes | 0.4% | -3.0% |
Days on Market | 25 | -20.0% |
Demographics — Loveland, OH
As of the latest ACS Survey released in 2023, Loveland, OH has a population of 56,900, which has remained stable by -0.1% over the past 5 years. Loveland, OH is a popular place for families, as children make up 25.7% of the population. The area has a highly educated workforce, with 52.9% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 17.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 56,900 | -0.1% |
% Under 18 | 25.7% | -0.8% |
% Seniors | 16.3% | 23.5% |
% WFH | 17.5% | 161.2% |
% w/ College Degree | 52.9% | 14.3% |
As of the latest ACS Survey released in 2023, Loveland, OH is a predominantly white area, with 86.7% of the population identifying as white. The white population has shrunk by 3.1% in the last 5 years. The second most common race or ethnicity in Loveland, OH is hispanic, making up 4.1% of the population. Foreign-born residents account for 6.0% of the population in Loveland, OH, and this percentage has increased by 15.4% 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 | 86.7% | -3.1% |
% Black | 1.8% | 0.0% |
% Hispanic | 4.1% | 5.1% |
% Asian | 4.0% | 53.8% |
% Foreign Born | 6.0% | 15.4% |
Mortgage and Risk — Loveland, OH
According to HUD data as of 2023, there were 1002 mortgage originations in Loveland, OH, of which 90.0% of loans were conventional mortgages. The average loan-to-value was 55.0%, with 18.0% above 90% LTV (elevated). This implies medium mortgage risk in Loveland, OH. Investor activity is low, as 1.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 1,002 |
% Conventional Loans | 90.0% |
% Government Loans | 10.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Loveland, OH
As of 2024, the percent of homes in Loveland, OH under the Section 8 program is 5.6%. 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. 2-bedroom units appear to be good home sizes to consider for Section 8 housing in Loveland, OH, because HUD payments exceed market rent, while 1-bedroom and 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 280 |
Total Units Section 8 | 226 |
% Rentals under Section 8 | 5.6% |
% Occupied Section 8 | 92.6% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $0 | $1,260 | $1,260 |
| 2 Bedroom | $280 | $1,350 | $1,630 |
| 3 Bedroom | -$210 | $2,370 | $2,160 |
| 4 Bedroom | -$1,310 | $3,700 | $2,390 |
Affordability — Loveland, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.4 |
| Median Home Price | $434,000 |
| Median Household Income | $111,000 |