Loveland, CO—80537
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 $492,000, with a year-over-year change of -1.6%. This indicates that home prices in Loveland, CO are decreasing. According to Zillow, the 1-year price projection is -0.3%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $492,000 | -1.6% |
| Single Family | $497,000 | -1.6% |
| Condos | $380,000 | -3.1% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $355,000 | -1.4% |
2 Bed | $389,000 | -1.3% |
3 Bed | $470,000 | -1.7% |
4 Bed | $570,000 | -1.4% |
| 5 Bed | $668,000 | -1.0% |
% of Housing Stock
Rental Trends — Loveland, CO
As of July '25, Rentcast reports the average rent in Loveland, CO is $1,860, with a year-over-year rent change of -4.1%. Per bedroom, the median rent as of July '25 in Loveland, CO is studios: $991, 1-bedrooms: $1,220, 2-bedrooms: $1,560, 3-bedrooms: $2,210, 4-bedrooms: $2,730. The most common rental property sizes in Loveland, CO are 2-bedroom and 3-bedroom, accounting for 34.4% and 24.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,650 | $1,860 |
| Studio Rent | $795 | $991 |
| 1 Bed Rent | $1,200 | $1,220 |
| 2 Bed Rent | $1,400 | $1,560 |
| 3 Bed Rent | $2,350 | $2,210 |
| 4 Bed Rent | $2,700 | $2,730 |
% 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 58. This is a increase of 18.0% 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 34.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $572,000 | 2.0% |
Listing Count | 247 | 17.0% |
| Listings as % of Homes | 0.5% | 17.0% |
Days on Market | 58 | 18.0% |
Demographics — Loveland, CO
As of the latest ACS Survey released in 2023, Loveland, CO has a population of 44,500, which has increased by 2.0% over the past 5 years. Loveland, CO is a moderately popular place for families, as children make up 18.8% of the population. The area has a moderately educated workforce, with 37.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 44,500 | 2.0% |
% Under 18 | 18.8% | -8.3% |
% Seniors | 20.9% | 16.1% |
% WFH | 13.7% | 80.3% |
% w/ College Degree | 37.3% | 10.4% |
As of the latest ACS Survey released in 2023, Loveland, CO is a predominantly white area, with 83.0% of the population identifying as white. The white population has shrunk by 2.9% in the last 5 years. The second most common race or ethnicity in Loveland, CO is hispanic, making up 12.4% of the population. Foreign-born residents account for 2.9% of the population in Loveland, CO, and this percentage has decreased by 12.1% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 83.0% | -2.9% |
% Black | 0.2% | -66.7% |
% Hispanic | 12.4% | 19.2% |
% Asian | 1.0% | 25.0% |
% Foreign Born | 2.9% | -12.1% |
Mortgage and Risk — Loveland, CO
According to HUD data as of 2023, there were 817 mortgage originations in Loveland, CO, of which 87.0% of loans were conventional mortgages. The average loan-to-value was 50.0%, with 19.0% above 90% LTV (elevated). This implies medium mortgage risk in Loveland, CO. Investor activity is low, as 3.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 817 |
% Conventional Loans | 87.0% |
% Government Loans | 13.0% |
% Investor Loans | 3.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Loveland, CO
As of 2024, the percent of homes in Loveland, CO under the Section 8 program is 5.1%. 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 units appear to be good home sizes to consider for Section 8 housing in Loveland, CO, because HUD payments exceed market rent, while 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 469 |
Total Units Section 8 | 469 |
% Rentals under Section 8 | 5.1% |
% Occupied Section 8 | 84.8% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $140 | $1,200 | $1,340 |
| 2 Bedroom | $170 | $1,400 | $1,570 |
| 3 Bedroom | -$150 | $2,350 | $2,200 |
| 4 Bedroom | -$360 | $2,700 | $2,340 |
Affordability — Loveland, CO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.9 |
| Median Home Price | $492,000 |
| Median Household Income | $83,700 |