What are the schools like in Loveland, CO?

Loveland is served primarily by Thompson School District R-2J. The district operates 20 elementary schools, 4 middle schools, and 5 high schools with a student-to-teacher ratio of 15.6:1.

What is the median household income in Loveland?

The median household income in Loveland, CO is $81,898 according to the most recent US Census American Community Survey 5-year estimates. The unemployment rate is 4.4%.

What is the weather like in Loveland, CO?

Loveland has an average high temperature of 43.9°F in January and 88.6°F in July. Annual precipitation averages 15.5 inches and annual snowfall averages 47.0 inches.

Loveland, CO Cost of Living, Crime & Is It a Good Place to Live? (2026)

Q: Is Loveland, CO affordable or expensive?

Loveland's cost of living index is 97, where 100 represents the national average. This means Loveland is 3% less expensive than the average US city. The median home value is $426,900 and the median rent is $1,595 per month.

Q: What is the crime rate in Loveland, CO?

Loveland has a violent crime rate of 314.8 incidents per 100,000 residents and a property crime rate of 2018.1 per 100,000. The national average violent crime rate is approximately 380 per 100,000.

Is Loveland, CO a Good Place to Live?

Loveland is a mid-sized city of 76,500 in Colorado, with a median household income of $81,898 and a 4.4% unemployment rate. Its cost of living index is 97 (US average = 100), which is 3% below the national average.

Strengths: Loveland stands out for an affordable cost of living, lower-than-average crime, solid school ratings (B), a well-educated population.

Trade-offs: Potential downsides include high home prices. Whether Loveland is right for you depends on your priorities — the full breakdown is below.

All Loveland city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 96.6

Loveland's overall cost of living index is 96.6, where 100 represents the US national average. Living in Loveland costs roughly 3% less than the average American city.

Metric	Loveland, CO	National Avg
Median Home Value	$426,900	$244,900
Median Monthly Rent	$1,595	$1,163
Homeownership Rate	62.9%	65.9%
Median Household Income	$81,898	$74,755

Crime & Safety

Safer than Average

Loveland's violent crime rate is 314.8 per 100,000 residents — 17% lower than the national average of ~380 per 100,000.

Violent Crime

314.8 /100k

Property Crime

2018.1 /100k

Vertical marker = national average. Source: FBI UCR Program.

Schools & Education

Loveland is served primarily by Thompson School District R-2J. The student-to-teacher ratio is 15.6:1 (better than the national average of ~16:1).

Metric	Loveland, CO	National Avg
School District	Thompson School District R-2J	—
Elementary Schools	20	—
Middle Schools	4	—
High Schools	5	—
Student/Teacher Ratio	15.6:1	16:1
Bachelor's Degree or Higher	39.5%	35.4%
High School Diploma or Higher	96.2%	91.1%

Weather & Climate

Loveland sees average highs of 43.9°F in January and 88.6°F in July, with 15.5 inches of annual precipitation and 47.0 inches of snow per year.

Metric	Loveland, CO
Average High — January	43.9°F
Average High — July	88.6°F
Annual Precipitation	15.5"
Annual Snowfall	47.0"

Demographics

Metric	Loveland, CO	National Avg
Population	76,500	—
Median Age	40.4	38.9
Unemployment Rate	4.4%	3.7%
Avg Commute Time	26.1 min	26 min
White (non-Hispanic)	89.1%	59.3%
Black or African American	0.6%	13.6%
Hispanic or Latino	6.7%	18.9%
Asian	0.9%	6.3%
Under 18	19.8%	22.2%
65 and over	21.1%	16.8%

Nearby Cities

Johnstown, CO 6 mi Windsor, CO 9 mi Fort Collins, CO 9 mi Timnath, CO 10 mi Berthoud, CO 10 mi

ZIP Codes in Loveland

Loveland, CO is covered by 2 ZIP codes:

80538 80537

Loveland vs Other Cities

Loveland, CO vs Johnstown, CO Loveland, CO vs Windsor, CO Loveland, CO vs Fort Collins, CO Loveland, CO vs Timnath, CO Loveland, CO vs Berthoud, CO

Frequently Asked Questions

Is Loveland, CO affordable or expensive?

Loveland's cost of living index is 97, where 100 is the national average. That makes Loveland roughly 3% less expensive than a typical US city — a meaningful affordability advantage. The median home price is $426,900 and median rent is $1,595/month.

What is the crime rate in Loveland, CO?

Loveland's violent crime rate is 314.8 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 2018.1 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.

What are the schools like in Loveland?

Public schools in Loveland are operated by Thompson School District R-2J. The district has 20 elementary, 4 middle, and 5 high schools. The student-to-teacher ratio is 15.6:1. 39.5% of adults 25+ hold a bachelor's degree or higher.

Is Loveland, CO a good place to live?

Loveland, CO has a population of 76,500, a median household income of $81,898, and an unemployment rate of 4.4%. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.

What is the weather like in Loveland?

Loveland averages 43.9°F in January and 88.6°F in July. Annual rainfall is 15.5 inches with about 47.0 inches of snow per year. Based on NOAA 30-year climate normals (1991–2020).

What ZIP codes are in Loveland?

Loveland, CO is covered by 2 ZIP codes: 80538, 80537.

What is the population of Loveland?

The population of Loveland, Colorado is 76,500 with a median age of 40.4. Source: US Census ACS 5-Year Estimates.

What are the pros and cons of living in Loveland?

Key numbers for living in Loveland: cost of living index 97 (100 = US average), median home $426,900, median household income $81,898, crime index 88 (100 = US average, lower is safer), schools rated B. Whether these are benefits or drawbacks depends on where you're coming from — compare Loveland side by side with your current city to see the trade-offs.