Loveland, CO—80538
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Loveland, CO
Home Price Trends — Loveland, CO
As of Oct '25, the median home price in Loveland, CO is $496,000, with a year-over-year change of -2.1%. This indicates that home prices in Loveland, CO are decreasing. According to Zillow, the 1-year price projection is -0.4%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $496,000 | -2.1% |
| Single Family | $507,000 | -2.3% |
| Condos | $343,000 | -4.7% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $306,000 | -3.2% |
2 Bed | $376,000 | -3.3% |
3 Bed | $473,000 | -2.3% |
4 Bed | $562,000 | -1.9% |
| 5 Bed | $663,000 | -1.8% |
% of Housing Stock
Rental Trends — Loveland, CO
As of July '25, Rentcast reports the average rent in Loveland, CO is $2,070, with a year-over-year rent change of -4.6%. Per bedroom, the median rent as of July '25 in Loveland, CO is studios: $1,570, 1-bedrooms: $1,240, 2-bedrooms: $1,720, 3-bedrooms: $2,460, 4-bedrooms: $2,700. The most common rental property sizes in Loveland, CO are 2-bedroom and 3-bedroom, accounting for 36.9% and 25.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,050 | $2,070 |
| Studio Rent | $1,490 | $1,570 |
| 1 Bed Rent | $1,250 | $1,240 |
| 2 Bed Rent | $1,600 | $1,720 |
| 3 Bed Rent | $2,400 | $2,460 |
| 4 Bed Rent | $2,700 | $2,700 |
% of Rental Stock
Property Listings — Loveland, CO
As of Oct '25, Realtor.com reports that the median days on market for a home in Loveland, CO is 60. This is a increase of 38.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 33.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $528,000 | 1.0% |
Listing Count | 288 | 12.0% |
| Listings as % of Homes | 1.0% | 12.0% |
Days on Market | 60 | 38.0% |
Demographics — Loveland, CO
As of the latest ACS Survey released in 2023, Loveland, CO has a population of 49,200, which has increased by 1.9% over the past 5 years. Loveland, CO is a moderately popular place for families, as children make up 19.8% of the population. The area has a moderately educated workforce, with 42.5% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 17.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 49,200 | 1.9% |
% Under 18 | 19.8% | -3.4% |
% Seniors | 23.2% | 16.0% |
% WFH | 17.4% | 117.5% |
% w/ College Degree | 42.5% | 14.9% |
As of the latest ACS Survey released in 2023, Loveland, CO is a predominantly white area, with 79.6% of the population identifying as white. The white population has shrunk by 6.1% in the last 5 years. The second most common race or ethnicity in Loveland, CO is hispanic, making up 14.8% of the population. Foreign-born residents account for 4.4% of the population in Loveland, CO, and this percentage has increased by 15.8% 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 | 79.6% | -6.1% |
% Black | 1.1% | 175.0% |
% Hispanic | 14.8% | 28.7% |
% Asian | 1.0% | 0.0% |
% Foreign Born | 4.4% | 15.8% |
Mortgage and Risk — Loveland, CO
According to HUD data as of 2023, there were 1216 mortgage originations in Loveland, CO, of which 84.0% of loans were conventional mortgages. The average loan-to-value was 54.0%, with 21.0% above 90% LTV (very high). This implies large mortgage risk in Loveland, CO. Investor activity is low, as 2.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 1,216 |
% Conventional Loans | 84.0% |
% Government Loans | 16.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Loveland, CO
As of 2024, the percent of homes in Loveland, CO under the Section 8 program is 8.6%. 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. 1-bedroom and 2-bedroom and 3-bedroom units appear to be good home sizes to consider for Section 8 housing in Loveland, CO, because HUD payments exceed market rent, while 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 723 |
Total Units Section 8 | 644 |
% Rentals under Section 8 | 8.6% |
% Occupied Section 8 | 87.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $220 | $1,250 | $1,470 |
| 2 Bedroom | $130 | $1,600 | $1,730 |
| 3 Bedroom | $20 | $2,400 | $2,420 |
| 4 Bedroom | -$120 | $2,700 | $2,580 |
Affordability — Loveland, CO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.9 |
| Median Home Price | $496,000 |
| Median Household Income | $85,100 |