City · 78,410 residents · Larimer County, Colorado
Loveland, Colorado
In Loveland, a typical home is worth $479,000 and typical rent is $1,730 a month. Compared with all of Larimer County, the typical home value is 16% lower and typical household income is 10% lower.
Typical home value from Zillow, September 2021 to September 2026: from $457,478 to $493,188.
Typical rent
$1,932a month
▲ 1.1% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,635 to $1,932.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Loveland is in Larimer County. The FHA loan limit ($634,800 for a one-unit home), the fair market rents and the help on this page are those of all of Larimer County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Loveland is worth $479,000,16% less than in Larimer County as a whole ($569,100).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Loveland
What homes there are in Loveland, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Loveland
Larimer County
Colorado
United States
Kind of home: Loveland and its comparisons
Measure
Loveland
Larimer County
Colorado
United States
Detached house
64%
64%
61%
61%
Attached house
10%
8%
8%
6%
Building of 2 to 4
6%
6%
5%
8%
Apartments (5 or more)
18%
19%
23%
19%
Mobile home
2%
3%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Loveland: 64% of homes, near the figure in Larimer County (64%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Loveland
Larimer County
Colorado
United States
Year built: Loveland and its comparisons
Measure
Loveland
Larimer County
Colorado
United States
Before 1960
11%
10%
16%
26%
1960–1979
23%
22%
24%
24%
1980–1999
27%
30%
28%
25%
2000–2009
20%
18%
17%
14%
2010 or later
18%
20%
16%
11%
In Loveland, half of the homes were built before 1993; in Larimer County, before 1993.
In Loveland, 66% of homes have 3 bedrooms or more, about the same as in Larimer County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K3%
$100K–$200K1%
$200K–$300K5%
$300K–$500K48%
$500K–$750K34%
FHA limit: $634,800
$750K–$1M6%
$1M or more3%
Value of owner-occupied homes: Loveland and its comparisons
Measure
Loveland
Under $100K
3%
$100K–$200K
1%
$200K–$300K
5%
$300K–$500K
48%
$500K–$750K
34%
$750K–$1M
6%
$1M or more
3%
About 75% of owner-occupied homes in Loveland are worth less than the FHA loan limit for Larimer County ($634,800).
Monthly rent with utilities
Under the limitOver the limit
Under $5004%
$500–$9997%
$1,000–$1,49926%
$1,500–$1,99929%
HUD fair market rent, 2 bedrooms: $1,759
$2,000–$2,49919%
$2,500–$2,9999%
$3,000 or more7%
Monthly rent with utilities: Loveland and its comparisons
Measure
Loveland
Under $500
4%
$500–$999
7%
$1,000–$1,499
26%
$1,500–$1,999
29%
$2,000–$2,499
19%
$2,500–$2,999
9%
$3,000 or more
7%
About 52% of rented homes in Loveland cost less than HUD's 2-bedroom fair market rent for Larimer County ($1,759); the rest cost more.
With a mortgage
$2,051 a month
Larimer County: $2,305 a month
Without a mortgage
$611 a month
Larimer County: $681 a month
Owners with a mortgage
69%
Larimer County: 68%
Owning costs less in Loveland: with a mortgage, the typical cost is $2,051 a month; in Larimer County, $2,305. Without one, $611.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Loveland+53%
Larimer County+56%
Colorado+57%
United States+53%
Typical rent
Loveland+37%
Larimer County+32%
Colorado+39%
United States+33%
Typical household income
Loveland+23%
Larimer County+30%
Colorado+32%
United States+29%
Change since 2015–2019: Loveland and its comparisons
Measure
Loveland
Larimer County
Colorado
United States
Typical home value
+53%
+56%
+57%
+53%
Typical rent
+37%
+32%
+39%
+33%
Typical household income
+23%
+30%
+32%
+29%
The typical home value in Loveland rose 53% since 2015–2019, less than in Larimer County (56%).
Rents in Loveland rose faster than in Larimer County: 37% since 2015–2019, against 32%.
The typical household income in Loveland rose 23%: less than home values (+53%) and rent (+37%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Loveland and its comparisons
Measure
Loveland
Larimer County
Colorado
United States
Rental vacancy
Unreliable estimate
3.3%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
1.9%
1.3%
2.4%
3.4%
People per household
2.26
2.31
2.42
2.53
Drive alone
72%
66%
65%
69%
Carpool
6%
6%
8%
9%
Public transit
Unreliable estimate
1%
2%
3%
Walk or bike
2%
5%
3%
3%
Work from home
20%
21%
21%
15%
Other means
1%
1%
1%
2%
Typical commute
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
In Loveland, 1.9% of households live with more than one person per room, about the same as in Larimer County.
Much as in Larimer County, a household in Loveland has 2.26 people on average.
To get to work, 72% of workers in Loveland drive alone; in Larimer County, 66%.
Do the math
What would you pay each month for a home in Loveland?
A typical home costs more than the typical income allows
We start with a typical home in Loveland, worth $479,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Loveland, which is $84,604 a year. For that payment to be 28% of income, a household would need to earn about $162,393 a year.
The calculator's FHA and conventional loan limits are those of all of Larimer County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Loveland. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $16,765 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,789
at 7.18% · 30 years
Loan amount
$470,324
Total interest
$676,686
Paid off in
November 2056
Includes $8,089 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,974 a month
Tight
$1,974 to $2,538 a month
Hard
more than $2,538 a month
Your payment · 54%
Compared with the typical household income in Loveland ($84,604 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,186
Property tax
$192
Home insurance
$200
FHA mortgage insurance (MIP)
$212
You need at least $16,765 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,789; principal and interest $3,186.
The city and its county
Loveland and Larimer County
Loveland is in Larimer County, Colorado. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Loveland
Map of Larimer County, Colorado, with Loveland marked. Around it, the neighboring counties.
Loveland
Larimer County
Other cities with a page
Loveland's own numbers
Typical home value
$479,000
Typical monthly rent
$1,730
Typical yearly household income
$84,604
Households that own their home
62%
Effective property tax rate
0.48%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Larimer County
FHA limit, one-unit home
$634,800
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,759
Price change over 5 years (FHFA)
+40%
Homes in a high flood-risk zone
0.9%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Larimer County.
A typical home in Loveland is worth $479,000: 16% below the county and 11% below Colorado. With the typical household income in Loveland ($84,604 a year), a typical home costs 5.7 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Loveland5.7 years
Larimer6.1 years
Colorado5.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Larimer County
According to FHFA’s house price index, home prices in Larimer County rose 94% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Larimer County.
Yearly change in FHFA’s price index in Larimer County, 2016 to 2025
2016: +11.3% +11.3% 2016
2017: +9.6% +9.6% 2017
2018: +7.1% +7.1% 2018
2019: +4.3% +4.3% 2019
2020: +1.7% +1.7% 2020
2021: +10.5% +10.5% 2021
2022: +17.7% +17.7% 2022
2023: +3.8% +3.8% 2023
2024: +3.3% +3.3% 2024
2025: +0.3% +0.3% 2025
Change in FHFA’s price index in Larimer County, Colorado and the United States
Period
County
Colorado
U.S.
Last year (2025)
+0.3%
+0.1%
+2.9%
5 years (2020–2025)
+40%
+38%
+47%
10 years (2015–2025)
+94%
+93%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Loveland next to Larimer County, Colorado and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Loveland$479,000
Larimer$569,100
Colorado$539,400
United States$332,700
Typical monthly rent
Loveland$1,730
Larimer$1,716
Colorado$1,761
United States$1,413
Typical yearly household income
Loveland$84,604
Larimer$93,765
Colorado$95,470
United States$80,734
See the full table
Loveland next to Larimer County and Colorado
Measure
Loveland
Larimer County
Colorado
U.S.
Typical home value
$479,000 ▼16% below the county
$569,100
$539,400
$332,700
Typical monthly rent
$1,730
$1,716
$1,761
$1,413
Typical yearly household income
$84,604 ▼10% below the county
$93,765
$95,470
$80,734
Households that own their home
62% ▼2 points below the county
64%
66%
65%
Typical yearly property tax
$2,302 ▼19% below the county
$2,832
$2,602
$3,119
Effective property tax rate
0.48% ▼0.02 points below the county
0.5%
0.48%
0.94%
Renters with high rent for their income
54% ▼1 points below the county
55%
53%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Larimer County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Loveland
For a typical $479,000 home in Loveland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Loveland's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,789a month
Least cash to close
Down payment
$16,765
Cash to close
$31,135
Rate
7.18%
Mortgage insurance
FHA MIP · $212
Conventional, 5% down$3,701a month
Down payment
$23,950
Cash to close
$38,320
Rate
7.18%
Mortgage insurance
PMI · $228
Conventional, 20% down, no PMI$2,987a month
Down payment
$95,800
Cash to close
$110,170
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,430a month
Down payment
$71,850
Cash to close
$86,220
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Loveland
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,789
$16,765
$470,324
7.18%
FHA MIP · $212
$31,135
580
Conventional, 5% down
$3,701
$23,950
$455,050
7.18%
PMI · $228
$38,320
620*
Conventional, 20% down, no PMI
$2,987
$95,800
$383,200
7.18%
None
$110,170
620*
ITIN, 15% down (example)
$3,430
$71,850
$407,150
8.18%
None
$86,220
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Loveland is $1,730 a month: about the same as the county. In Loveland, 54% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Larimer County, by unit size. To pay the 2-bedroom one ($1,759 a month) without spending more than 30% of your income, you would need to earn $33.83 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Larimer County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,551
$29.83
$62,040
1 bedroom
$1,589
$30.56
$63,560
2 bedrooms
$1,759
$33.83
$70,360
3 bedrooms
$2,379
$45.75
$95,160
4 bedrooms
$2,576
$49.54
$103,040
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Loveland
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Loveland has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,680 in 80537 to $1,820 in 80538.
1 of the 2 is above the fair market rent for Larimer County ($1,759).
Fair market rent by ZIP code and size in Loveland, fiscal year 2027.
80537
$1,480
$1,520
$1,680
$2,270
$2,460
80538
$1,600
$1,640
$1,820
$2,460
$2,670
ZIP code2 bd3 bd
80537 $1,680$2,270
80538 $1,820$2,460
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Loveland when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There is 1 HUD-approved agency with an office in Larimer County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Loveland or Larimer County. The ones below are statewide in Colorado: they work in Loveland the same as in the rest of the state.
Colorado state agency help with the down payment or closing costs: a grant of up to 3% of the mortgage or a deferred second mortgage of up to 4%, both capped at $25,000.Offered by Colorado Housing and Finance Authority (CHFA).
$25,000 from the Colorado state agency for the down payment of first-generation buyers (neither you nor your parents have owned a home); repaid when you sell, refinance or pay off the mortgage.Offered by Colorado Housing and Finance Authority (CHFA).
No legal help resource on our list is for Loveland or Larimer County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Loveland and all of Larimer County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Loveland?
The typical home value in Loveland is $479,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Larimer County it is $569,100.
How much does it cost to rent in Loveland?
Typical rent in Loveland is $1,730 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Larimer County is $1,759.
What is the FHA loan limit in Loveland?
Loveland uses the FHA limit for all of Larimer County (2026): $634,800 for a one-unit home and $1,220,800 for a four-unit home.
How much property tax do owners pay in Loveland?
The typical homeowner in Loveland pays $2,302 a year, according to the U.S. Census Bureau. That is 0.48% of the home’s value; in Larimer County, the rate is 0.5%.
Where can I find free help to buy or rent in Loveland?
There is 1 HUD-approved counseling agency with an office in Larimer County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
