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Loveland city, CO

ZIP 80537 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 80537

Median Home Value
$460,100
Median Rent
$1,442
Affordability Snapshot
$127,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,956/mo PITI).

21%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.5x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

26.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 80537 in Loveland city, CO, a household would need roughly $127,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,956. That is about 52% above the local median household income ($83,746), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
63.9%-2% vs US avg
x
Vacancy Rate
3.1%-70% vs US avg
x
Broadband Access
90.8%+4% vs US avg
x
4+ Bedrooms
5.7%-62% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
22.7%-54% vs US avg
x
Mortgage-Free
29.5%-23% vs US avg
x
$460,100
Home Value
$1,442
Rent
1991
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached67.3%
  • 1-unit attached8.1%
  • 2-9 units10.7%
  • 10+ units11.1%
  • Mobile home & other2.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$460,100
Median rent$1,442
Owner-occupied63.9%
Vacant3.1%
Price-to-income5.5x
Est. income to buy$127,000