Loveland, CO — Momentum Score, Home Values & Best-For

All states·Colorado·Loveland

Larimer County · Fort Collins · population 81,102

Loveland, CO
Image: Wikipedia · Loveland, Colorado
OverviewCost of livingMoving guide
View watchlist →
57
Stable
Momentum score · 0–100

Where Loveland stands

Steady, no major recent move.

Median home $504,237
1-year -1.7%
5-yr CAGR +3.1%
vs 5-yr peak -4.8%
Population +1.5%/yr

Home value trajectory · last 10 years

Zillow ZHVI · monthly
peak 2022-07$504k$283k$372k$462k$551k201620182020202220242026

Lifestyle scores

🚶
Walkability
40/100
Car-dependent
Estimated from population density. Higher = denser, more amenities within walking distance.
🚉
Public transit
30/100
Minimal transit
Curated list of major US transit systems + population-based estimate. Higher = real subway/rail/bus options.
💻
Remote work fit
84/100
Excellent for remote work
Composite of city size, housing cost, state tax structure, and region's remote-work track record.

Scores are heuristic estimates from population density, state, and known transit/walkable cities. Not based on a paid Walk Score / Transit Score API — see methodology for the formula.

Rent trajectory · last 5 years

Zillow ZORI · monthly
$1,885/mo$1,387$1,692$1,998202220242026

Home value vs rent · indexed to 100

Both rebased at first month of ZORI data (~2015)
Home valueRent116128100120202220242026

Rent vs buy

Price-to-rent ratio: 22.3
Lean rent

At a 22.3 price-to-rent ratio, the math is starting to lean toward renting in Loveland. Owner-occupier ROI requires longer holds and the assumption that prices keep appreciating roughly at the rate of rent.

How the momentum score breaks down

methodology →
Home YoY
41 · w22%
Home 5-yr CAGR
53 · w22%
Distance from peak
61 · w18%
Population growth
73 · w16%
Rent YoY
62 · w12%
Home 10-yr CAGR
62 · w10%
Long thesis

Loveland has held up across the cycle: home values at $504,237 with +3.1% 5-year CAGR. The bull case is structural — population, location, employer base — and holds even if next year's print is soft.

Short thesis

Loveland's bear case is the boring one: the cycle is real and any market that's run hard can stall. Watch for slowing population growth, rising days-on-market, or builder discounts as the early warning signals.

About Loveland

Loveland is a city in Larimer County, Colorado, with an estimated population of 81,102. It anchors the Fort Collins metro area. The population grew 1.5% annually from 2020 to 2024, a moderate gain. The median home value in Loveland is $504,237 as of 2026-04, down 1.7% over the last 12 months. Over the last five years, home values have averaged +3.1% annual growth (-4.8% from the 5-year peak). Rents in Loveland average $1,885 per month, roughly flat year-over-year (+2.6%). The composite momentum score is 57 of 100 (Stable). Conditions are neither hot nor cold, so the local fit matters more than market timing.

▲ Bull case

●Net positive migration: population up 1.5% per year — demand fundamentals are intact.
○The data is the data: Loveland has at least 5 years of Zillow tracking, full Census identification, and is included in the 2-criteria momentum score on this page.

▼ Bear case

○Local nuance: city-level data smooths over neighborhood differences. School zones, HOA rules, and street-level character matter — visit before deciding.

About Loveland (Wikipedia)

Loveland is a home rule municipality and the second most populous municipality in Larimer County, Colorado, United States. Loveland is situated 46 miles (74 km) north of the Colorado State Capitol in Denver and is the 14th most populous city in Colorado. As of the 2020 census, the population of Loveland was 76,378. The city forms part of the Fort Collins-Loveland Metropolitan Statistical Area and the Front Range Urban Corridor. The city's public schools are part of the Thompson R2-J School District.

Source: Wikipedia · this summary is contributed and licensed under CC-BY-SA.

City facts

MayorPatrick McFall
Area35.88 sq mi
Elevation4997 ft
Founded1877
NicknameThe Sweetheart City
Densityauto/sq mi
Named forWilliam A. H. Loveland

Extracted from the Wikipedia infobox. Values may be slightly out of date relative to the latest sources.

Playbook

Buyer

Lifestyle fit matters more than market timing in a Stable market. Take your time on the home and neighborhood; the macro trend isn't urgent. Negotiate normally.

Seller

Price competitively from day one or risk a 60+ day listing. Staging, photography, and presentation matter more in Stable markets than in Hot ones.

Investor

Stable cap rates, no big appreciation story to lean on. Underwrite this as a pure cash-flow play — the math has to work on rent alone.

Local safety & alerts

No active National Weather Service alerts for Larimer County right now.

NWS active alerts (CO)Colorado Emergency ManagementHow to prepare (NWS)

Public-safety links are official .gov sources, not curated by us. Larimer County routes NWS alerts; check the state EM portal for non-weather emergencies.

Cities like Loveland

Broomfield, CO53 · StableGreeley, CO54 · StableFort Collins, CO57 · StableCentennial, CO48 · Stable

Run the numbers for Loveland

ToolCan I afford Loveland?Income → city shortlistToolROI on a Loveland rentalCap rate, cash-on-cash, DSCRToolCompare Loveland to anywhereSide-by-side up to 3 citiesToolLoveland cost-of-livingEquivalent income elsewhere

Sources: Zillow ZHVI (home values), Zillow ZORI (rents), US Census ACS + place population. Updated when source agencies publish revisions.

Climate & natural-disaster risk

Winter (Jan)
43° / 16°
avg high / low
Summer (Jul)
86° / 56°
avg high / low
Sunny days/yr
245
~67% of year
Annual precip
17″ rain
55″ snow
Disaster risk (1=very low, 5=very high)
Hurricane
Very low
Tornado
Moderate
Wildfire
High
Earthquake
Low
Flood
Low

State-level averages from NOAA Climate Normals (1991-2020) and FEMA National Risk Index. City-level conditions can vary significantly within a state.

Current weather

Loading current conditions…

7-day forecast on weather.gov →

Find rentals & listings

Open current Loveland listings on the major real-estate sites.

Links open the live search on the destination site — results are always current.

Local news & community

Updated 2026-05-21 from Google News + Reddit RSS. Headlines link to original sources.

Local sports teams

Major professional teams the Fort Collins area cheers for. Detailed stats, schedules, and player pages on intherafters.com.

Local economy & environment

Humidity
54%
Dry climate
Median household income
$87,600
Colorado state median
Top industries (state-level)
TechAerospaceHealthcare

Humidity is annual average relative humidity (NOAA). Income is Census ACS 5-year estimate. Industries are largest employment sectors statewide (BLS); the local mix in a given city may vary.

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