Austin vs Loveland
The short version
- Austin is cheaper overall: prices in its metro run 3% lower than in the Loveland area (BEA 2024).
- The median home costs $479,000 in Loveland and $555,300 in Austin.
- Households earn more in Austin ($93,658 vs $84,604 median).
- Austin has the warmer winter: January highs of 63°F vs 44°F.
- Loveland gets far more snow: 47 inches a year vs 0.
- Austin has more scorching days: 123 a year at 90°F or hotter vs 38.
- Loveland is growing faster: +6.6% since 2020 vs +4.6%.
- Texas has no state income tax on wages; Colorado's top rate is 4.4%.
Side by side
| Austin, TX | Loveland, CO | |
|---|---|---|
| People | ||
| Population (2025) | 1,002,632 | 81,387 |
| Growth since 2020 | +4.6% | +6.6% |
| People per square mile | 3,072 | 2,271 |
| Median age | 34.7 | 40.7 |
| Bachelor's degree or higher | 60% | 39% |
| Money and housing | ||
| Median household income | $93,658 | $84,604 |
| Median home value | $555,300 | $479,000 |
| Home value to income | 5.9× | 5.7× |
| Median rent (with utilities) | $1,729 | $1,730 |
| Metro price level (US = 100) | 98.1 | 101.1 |
| Housing price level (US = 100) | 120.4 | 120.6 |
| $75,000 elsewhere equals | $73,500 | $75,800 |
| Homeowners | 43% | 62% |
| Top state income tax | None | 4.4% |
| Combined sales tax | 8.2% | 7.89% |
| Work and commute | ||
| Average commute (minutes) | 23.7 | 26.2 |
| Work from home | 31% | 20% |
| Take public transit | 2% | 0% |
| Unemployment (2020-24 avg) | 4.7% | 5.4% |
| Poverty rate | 12% | 8.5% |
| Weather | ||
| January high / low | 63° / 42° | 44° / 13° |
| July high / low | 97° / 75° | 89° / 55° |
| Precipitation per year | 36 in | 16 in |
| Snowfall per year | 0 in | 47 in |
| Days 90°F or hotter | 123 | 38 |
| Nights below freezing | 12 | 174 |
| Comfortable months | 6 | 2 |
| Risks, air and home prices | ||
| Natural hazard risk (FEMA, county) | Relatively High | Relatively Moderate |
| FEMA risk score (lower is safer) | 97.7 | 90.1 |
| Good air days, 2025 | 44% | 51% |
| Home prices, past year | +0.3% | +0.2% |
| Home prices, past 5 years | +15.2% | +29.3% |
Highlighted cells are the better value where "better" is clear (lower prices, higher income, shorter commutes). Sources: Census Bureau 2025 estimates and ACS 2020-2024, BEA 2024, NOAA 1991-2020, Tax Foundation 2026.
Weather, month by month
Most comfortable months: Austin: February to April and October to December. Loveland: June and September.
Full monthly tables: Austin weather by month and Loveland weather by month.
What $75,000 is worth
A $75,000 salary in an average-priced US city buys about the same as $73,500 in Austin and $75,800 in Loveland. Moving from Austin to Loveland, you would need about $77,300 to match a $75,000 salary.
Moving between Austin and Loveland
IRS county-to-county migration, 2022 to 2023 tax years, for the counties that contain each city. See where else people move from Austin and Loveland.
Which would you pick?
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