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Loveland city, CO

ZIP 80538 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 80538

Median Home Value
$472,200
Median Rent
$1,562
Affordability Snapshot
$130,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,033/mo PITI).

22%
Rent-to-Income Ratio

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

5.6x
Home Price-to-Income Ratio

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

25.2 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 80538 in Loveland city, CO, a household would need roughly $130,000 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 $3,033. That is about 53% above the local median household income ($85,057), 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
69.0%+5% vs US avg
x
Vacancy Rate
2.6%-75% vs US avg
x
Broadband Access
92.5%+6% vs US avg
x
4+ Bedrooms
8.4%-43% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
2.2%-69% vs US avg
x
Rent Burden >30%
20.1%-60% vs US avg
x
Mortgage-Free
36.1%-5% vs US avg
x
$472,200
Home Value
$1,562
Rent
1992
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached67.1%
  • 1-unit attached9.2%
  • 2-9 units11.2%
  • 10+ units9.6%
  • Mobile home & other2.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$472,200
Median rent$1,562
Owner-occupied69.0%
Vacant2.6%
Price-to-income5.6x
Est. income to buy$130,000