Living in Loveland, CO
Loveland is the 458th-largest city in the US, home to about 81,000 people in 2025. It has grown 6.6% since 2020. Prices across the metro area run close to the national average (101.1 on an index where the US is 100).
- Population, 2025
- 81,387+6.6% since 2020
- Median home value
- $479,0005.7 years of median income
- Median rent
- $1,730/morent plus utilities
- Household income
- $84,604median, per year
- Price level
- 101.1US average = 100
- January / July highs
- 44° / 89°lows 13° / 55°
- Average commute
- 26 min20% work from home
- State income tax
- 4.4%top rate, flat
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County: Larimer County
Time zone: Mountain Time (UTC-7, UTC-6 in summer)
Elevation: about 4,984 ft
Metro area: Fort Collins-Loveland, CO
Cost of living in Loveland
The median home in Loveland is worth $479,000 and the median household earns $84,604 a year, so a typical home costs about 5.7 years of income. Median gross rent (rent plus utilities) is $1,730 a month, about 24% of the median household's income. BEA puts overall prices in the Fort Collins-Loveland, CO metro area at 101.1, with housing at 120.6 and goods at 96.1 (US = 100). In practice, a $75,000 salary in an average-priced place stretches about as far as $75,800 here. Colorado taxes wages at a top rate of 4.4% (a flat rate). The average combined state and local sales tax in Colorado is 7.89%.
What would my salary be worth in Loveland?
Loveland weather
Average highs run from 44°F in January to 89°F in July, and January nights average 13°F. It gets 16 inches of rain and melted snow a year and 47 inches of snow. Expect about 38 days a year at 90°F or hotter. Nights drop below freezing about 174 times a year. The most comfortable months are June and September.
Month-by-month weather and the best time to visit Loveland
People and work
The median resident is 40.7 years old, and 39% of adults 25 and older hold a bachelor's degree or higher. 62% of households own their home. The average one-way commute is 26 minutes; 20% of workers work from home.
- Median age
- 40.7470th youngest of 546
- Bachelor's or higher
- 39%adults 25+
- Homeowners
- 62%of households
- People per sq mile
- 2,27135.8 sq mi of land
- Take transit to work
- 0%1% walk, 0.6% bike
- Unemployment
- 5.4%2020-2024 average
- Poverty rate
- 8.5%of residents
- Typical home built
- 1993median year
Who moves to Loveland, and where people go
From farther away, newcomers most often come from Colorado Springs (El Paso County), Phoenix (Maricopa County) and Austin (Travis County). People who leave for somewhere more than 100 miles away most often head to Colorado Springs (El Paso County), Phoenix (Maricopa County) and San Diego (San Diego County). See the map and full lists
IRS county-to-county migration, 2022 to 2023 tax years. Where Americans are moving.
Natural hazards, home prices and air quality
Natural hazard risk
Relatively Moderate
FEMA rating for Larimer County, scored against every US county. Biggest risks: winter weather, lightning, tornado, wildfire.
Home prices
+0.2% in a year
Up 29% over five years. FHFA house price index for the Fort Collins-Loveland, CO area, 2026 Q2.
Air quality, 2025
51% good days
11 days unhealthy at least for sensitive groups. EPA daily air quality index for the Fort Collins, CO area (365 days measured).
FEMA National Risk Index (December 2025) combines expected losses from 18 natural hazards with how vulnerable and resilient the community is. It describes the county, not your street; check flood maps for a specific address at FEMA's Flood Map Service Center.
Parks and sights near Loveland
The best-known parks, museums, zoos and landmarks within about 35 miles. Tap Been or Want to add them to your city passport.
- University of Colorado Boulder 29 miles
- University of Northern Colorado 21 miles
Places from Wikidata (CC0), linked to each one's official site or Wikipedia article. Check hours and fees before you go.
Airports near Loveland
| Airport | Distance | Passengers boarding in 2024 |
|---|---|---|
| Denver International Airport DEN | 43 mi | 40,012,895 |
Federal Aviation Administration, calendar year 2024 passenger boardings (enplanements) at commercial service airports. Straight-line distance.
Colleges in and near Loveland
| College | Distance | Undergrads | Net price a year | Graduate |
|---|---|---|---|---|
| Colorado State University-Fort Collins | 12 mi | 25,538 | $22,247 | 68% |
| University of Northern Colorado | 21 mi | 5,598 | $18,711 | 49% |
US Department of Education College Scorecard, October 2026 release. Net price is the average yearly cost after grants for students who get federal aid. Graduate: share finishing within 150% of normal time.
Frost dates and fall color in Loveland
Half the years, the last spring night at 32°F comes before May 10, so plant tender crops after that date or wait a week or two to be safer. Fall color depends on the trees, but the US Department of Agriculture says the brightest leaves come with warm, sunny days and cool nights, and that frost ruins vivid color. Here, cool 36°F nights usually start around September 22 and the first frost comes around October 1.
NOAA 1991-2020 climate normals for Loveland 2N, CO, median (50%) dates. All frost dates for Loveland.
Wildfire smoke in Loveland
From 2021 through 2025, a smoke plume covered Loveland on about 82 days a year, including about 20 days of medium or heavy smoke. Smoke high overhead can turn sunsets red without reaching the ground, so check the air quality reading before you change plans.
NOAA Hazard Mapping System smoke analysis, daily satellite plumes over the city center, 2021 to 2025. Smoke days for every city.
Home internet in Loveland
Census Bureau American Community Survey 2020-2024, table B28002, 34,367 households. Compare every city.
Public schools in Loveland
Downtown Loveland is in this district. Neighborhoods farther out may belong to a different one, so check the address with the district before you buy or rent.
| District | Grades | Students | Schools | Students per teacher |
|---|---|---|---|---|
| Thompson School District R-2J | Pre-K to 12 | 14,580 | 32 | 15.6 |
Other districts within 10 miles: St. Vrain Valley School District RE 1J (31,607 students), Poudre School District R-1 (29,381 students), Windsor School District RE-4 (8,728 students), Johnstown-Milliken School District RE-5J (4,055 students).
National Center for Education Statistics, school district boundaries and characteristics, 2024-25 school year.
Loveland's twin cities
Cities at least 250 miles away with the closest match to Loveland's weather month by month and its costs (price level, home values and rent).
- Santa Fe, NM74% matchCompare
- Flagstaff, AZ68% matchCompare
- Lehi, UT64% matchCompare
- Ann Arbor, MI64% matchCompare
Find a twin that is cheaper, warmer or cooler
Stargazing near Loveland
The nearest certified International Dark Sky Places:
Designations by DarkSky International as recorded in Wikidata (CC0). All dark sky places.
Ski resorts near Loveland
- Eldora Mountain Resort 41 miles
- Ski Idlewild 49 miles
- Winter Park Resort 50 miles
- Echo Mountain Park 54 miles
Straight-line distance. All ski resorts.
Pros and cons of living in Loveland
Data points come from the official sources on this page. Points marked Local come from people who live here, are read by a person before they appear, and are ranked by readers.
Pros
- Nothing stands out in the data. Locals, what do you love about Loveland?
Cons
- Data Winters are snowy: about 47 inches a year.
Loveland report card from locals
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Loveland through locals' eyes
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Cities near Loveland
| City | Distance | Population | Home value | Price level | |
|---|---|---|---|---|---|
| Fort Collins, CO | 13 mi | 171,500 | $577,900 | 101.1 | Compare |
| Longmont, CO | 16 mi | 100,109 | $572,800 | 105.2 | Compare |
| Greeley, CO | 20 mi | 115,073 | $402,500 | 100.2 | Compare |
| Boulder, CO | 27 mi | 105,689 | $1,039,500 | 105.2 | Compare |
| Broomfield, CO | 33 mi | 79,174 | $664,500 | 105.8 | Compare |
| Thornton, CO | 37 mi | 147,766 | $517,500 | 105.8 | Compare |
Straight-line distance between city centers.
Cities with a similar profile
Closest match on climate, price level, size, income and median age, outside the immediate area.
Compare Loveland with another city
Frequently asked questions
Is Loveland a good place to live?
It depends on what you need. The numbers show a growing population; the trade-offs are heavy snow. Compare Loveland side by side with another city to see how it stacks up for you.
What is the population of Loveland?
The Census Bureau estimates Loveland had 81,387 residents on July 1, 2025, compared with 76,337 in April 2020 (+6.6%).
How much do you need to earn to live in Loveland?
Using BEA price levels, a $75,000 salary in an average-priced US city buys about the same as $75,800 in the Loveland area. The median household here earns $84,604.
When is the best time to visit Loveland?
By the 1991-2020 climate normals, June and September are the most comfortable months. July averages 89°F and January 44°F for daytime highs.
What county is Loveland in?
Loveland is in Larimer County, Colorado. Source: Census Bureau 2020 geography.
What time zone is Loveland in?
Loveland is on Mountain Time (UTC-7, or UTC-6 during daylight saving time from March to November).
What is the elevation of Loveland?
About 4,984 feet above sea level at the city center. Elevation varies across the city.
Does Colorado have a state income tax?
Yes. Colorado has a flat income tax with a top rate of 4.4% for 2026. Some cities add a local income tax, which is not included here.
Sources
Population: Census Bureau Vintage 2025 estimates (July 1, 2025). Income, housing, education and commuting: American Community Survey 2020-2024 5-year estimates for the city of Loveland. Price levels: BEA Regional Price Parities 2024 for the Fort Collins-Loveland, CO metro area. Weather: NOAA 1991-2020 normals, Loveland 2N, CO station. Taxes: Tax Foundation 2026. How we get our numbers.