| ZIP Code | 80538 |
|---|---|
| City | Loveland |
| State | Colorado (CO) |
| County | Larimer County |
| Area Code | 970 |
| Elevation | 5,267 ft |
| Latitude | 40.544612 |
|---|---|
| Longitude | -105.245108 |
| Timezone | Denver (DST) |
| FIPS | 08069 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 43.3 yrs ↑ 4% since 2019 |
|---|---|
| Avg Household Size | 2.29 |
| Below Poverty | 8.0% ▼ 20% below avg |
| College Grads | 52.4% ▲ 35% above avg |
| Unemployment | 4.5% ▼ 8% below avg |
| No HS Diploma | 186 (0.5%) |
| HS Graduate | 6,734 (19.6%) |
| Some College | 3,758 (11%) |
| Associates | 5,626 (16.4%) |
| Bachelors | 3,509 (10.2%) |
| Graduate Degree | 14,457 (42.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $85,057 ▲ 11% above avg ↑ 22% since 2019 |
|---|---|
| Median Home Value | $472,200 ▲ 69% above avg ↑ 46% since 2019 |
| Home/Income Ratio | 5.6x (nat avg ~3.5x) |
| Median Rent | $1,730/mo ↑ 35% since 2019 |
| Total Units | 21,923 |
| Vacant Units | 574 |
| Avg HH Size | 2.29 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 21,923 |
|---|---|
| Vacant | 574 |
| Owner Occupied | 69.0% |
| Renter Occupied | 31.0% |
| Avg HH Size | 2.29 |
ZIP code 80538 is located in Loveland, Colorado, within Larimer County. With a population of 49,183, this is a highly populated ZIP code with a middle-aged community — the median age is 43.3 years. Economically, 80538 is a middle-income ZIP code: the median household income of $85,057 is near the national average.
Real estate in ZIP code 80538 represents a premium housing market. The median home value of $472,200 is significantly above the national average. Renters can expect to pay around $1,730 per month in median rent. Homeownership is strong here — 69.0% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 46% since 2019.
The population of 80538 is primarily White (79.60%). Residents are well-educated — 52.4% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 8.0%. Household income has grown by 22% since 2019.
The unemployment rate in 80538 stands at 4.5%, which is near the national average. About 17% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 75%.
Overall, ZIP code 80538 in Loveland, CO is characterized as middle-income, well-educated, a middle-aged community, and predominantly owner-occupied. With 49,183 residents, a median household income of $85,057, and a median home value of $472,200, it offers a clear picture of life in this part of Colorado.