Living in and Moving to Loveland, Colorado

Cost to Move to Loveland, Colorado

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Cost of living in Loveland, Colorado

Housing Costs

In Loveland, Colorado, housing costs are higher than the national average but still more affordable compared to nearby cities like Denver. The median home price in Loveland is approximately $475,000 as of late 2023, reflecting a steady increase over the past several years. For renters, the median monthly rent for a one-bedroom apartment is about $1,500, while a three-bedroom can cost around $2,200 per month. These prices have seen an upward trend due to the area’s growing popularity and limited housing inventory. However, for those looking for more affordable options, there are suburban neighborhoods just outside Loveland that offer lower prices, but this typically requires a longer commute. The cost of owning or renting in Loveland is closely linked to its desirable location, quality of life, and proximity to larger metropolitan areas. Source

Utilities

The average monthly utility bill for a 915-square-foot apartment in Loveland is around $150-$200, which includes electricity, heating, cooling, water, and garbage. Natural gas costs can fluctuate depending on the time of year, but the average cost for heating in winter typically adds $100 or more to monthly expenses. High-speed internet (e.g., 100 Mbps) costs approximately $60 to $80 per month. Loveland has a relatively affordable utility rate compared to other parts of Colorado, although this can vary depending on your home size and energy consumption. Source

Groceries/Food

Grocery costs in Loveland are about 5-10% higher than the national average. For example, a gallon of milk costs around $3.50, and a loaf of bread can be found for $2.50. A standard grocery bill for a single person averages $300 to $400 per month, while a family of four typically spends between $800 and $1,000 per month. Local grocery stores like Safeway, King Soopers, and natural food markets offer a range of price points, but organic and specialty items can drive up costs. For dining out, the average meal at a mid-range restaurant will cost about $20-$30 per person. Source

Transportation

Loveland residents typically rely on personal vehicles for transportation, as public transit options are limited. The average price of regular gasoline is around $3.70 per gallon as of December 2023. A typical commuter in Loveland can expect to spend approximately $150-$200 per month on fuel, depending on driving habits. For those who rely on public transportation, the City of Loveland operates a bus system, but the frequency and reach are not as extensive as larger cities. A monthly bus pass costs approximately $40. Car insurance in Loveland averages around $1,200 annually, which is slightly below the state average. Source

Healthcare

The cost of healthcare in Loveland is generally in line with state averages. A routine doctor’s visit in Loveland typically costs between $100 and $200 without insurance. Prescription medications also tend to be more expensive than the national average, with the cost of a common medication such as a generic cholesterol drug at about $15 to $40 for a 30-day supply. Health insurance premiums in Colorado average $450 to $600 per month for an individual, depending on the plan and coverage level. Loveland is served by multiple healthcare providers, including the UCHealth Medical Center of the Rockies, which is a significant local hospital with a range of medical services. Source

Childcare and Education

Childcare in Loveland is a significant expense for families. The average cost for infant daycare is approximately $1,200 to $1,500 per month, depending on the type of facility. Preschool costs range between $150 and $350 per month. Public schools in Loveland, part of the Thompson School District, are highly rated with an average cost of $8,000 to $10,000 per year per student, depending on grade level and extracurricular involvement. Private schools in the area can cost significantly more, ranging from $7,000 to $15,000 annually. The district also offers free public education through high school, with additional programs for gifted students and special needs education. Source

Taxes

Loveland residents are subject to Colorado’s state income tax of 4.4%. The city itself does not have a separate local income tax, so residents only pay the state rate. Property tax rates in Loveland are 0.5% of a home’s assessed value, which is relatively low compared to other cities in Colorado. Sales tax in Loveland totals 7.55%, which includes both state and local taxes. This is slightly below the state average, which typically ranges from 7.5% to 8% in Colorado. Overall, Loveland’s tax burden is competitive for those looking to move to the area, especially compared to the higher rates in Denver. Source

Insurance

The average homeowner’s insurance premium in Loveland is around $1,300 annually, which is typical for the state of Colorado. This is higher than the national average, mainly due to the risk of wildfires and hailstorms that occasionally impact the area. Auto insurance premiums average about $1,200 annually, although this can fluctuate depending on the individual’s driving history and coverage needs. Renters insurance in Loveland is relatively affordable, with average annual premiums around $200-$250. It’s recommended to shop around, as premiums can vary greatly between providers. Source

Recreation and Entertainment

Loveland is home to a variety of recreational opportunities, and residents often take advantage of the outdoor lifestyle. A membership to a local fitness center typically costs between $40 and $60 per month. For those who prefer outdoor activities, a family pass to Boyd Lake State Park costs $80 per year, while a single adult pass costs around $45 annually. The city also has a number of public events, concerts, and festivals throughout the year, many of which are free. Tickets to local events or performing arts shows typically cost $20-$40 per person. Source

Clothing

Clothing prices in Loveland are similar to the national average. A pair of jeans typically costs $40-$60, while a dress shirt can range from $25 to $40. For shoes, you can expect to pay between $50 and $100 for a good pair of sneakers or boots. For families, children’s clothing tends to be slightly less expensive, but prices vary based on brand and quality. Many residents shop locally, but Loveland also has access to nearby shopping malls, such as the Promenade Shops at Centerra, which provide a variety of clothing options at different price points. Source

Personal Care

Personal care expenses in Loveland include haircuts, toiletries, and other grooming services. A men’s haircut typically costs between $20 and $30, while a women’s haircut can range from $40 to $70 depending on the salon. A basic beauty product like shampoo or deodorant typically costs $3-$5, and personal hygiene products in general are fairly consistent with national prices. A visit to the dentist typically costs $100-$150 for a routine cleaning, with additional costs for procedures. Source

Miscellaneous Expenses

Miscellaneous expenses in Loveland can vary greatly depending on lifestyle choices. A movie ticket costs about $12-$15, and a monthly subscription to a streaming service like Netflix or Spotify costs $10-$15 per month. Other entertainment or leisure activities, such as golf or going to local attractions, can vary in price, with golf green fees ranging from $25 to $70 depending on the course. The cost of miscellaneous personal services, such as house cleaning or dry cleaning, also tends to

Is Loveland, Colorado a safe place to live – Crime Rates?

Crime Rate

Loveland, Colorado, is generally considered a safe place to live compared to both state and national averages. The overall crime rate in Loveland is lower than the national average, with a crime index of 25 (on a scale from 1 to 100, where 100 is the most dangerous). In 2023, Loveland saw about 1,100 total crimes reported, a number that has fluctuated slightly over the past few years. This number includes both violent and property crimes, with a noticeable decline in overall crime trends in the past five years. For those moving to Loveland, this relatively low crime rate makes it an appealing option for families and individuals seeking a safe community. Source

Violent Crime Rate

Violent crime in Loveland is relatively uncommon. In 2023, the violent crime rate in Loveland was approximately 2.5 incidents per 1,000 residents, which is far below both the state of Colorado’s average and the national average. This is a significant indicator of safety, with Loveland having one of the lowest violent crime rates among similar-sized cities in the region. While incidents of aggravated assault, robbery, and homicide are still present, they remain rare in the area. Loveland’s focus on community engagement and preventive policing plays a role in maintaining these low numbers. Source

Property Crime Rate

Property crime in Loveland has been a more common concern compared to violent crimes, but it still remains lower than the national average. As of 2023, Loveland experienced a property crime rate of around 20.3 incidents per 1,000 residents, which is notably lower than the Colorado average of 26.2. The most common property crimes include larceny-theft, burglary, and motor vehicle theft. However, the overall trend in property crime has seen a decrease over the past several years, with local law enforcement focusing on preventing property-related offenses through targeted patrols and crime prevention programs. Source

Police Presence

The Loveland Police Department plays a critical role in ensuring the safety of the community. As of 2023, the department employs over 100 officers, providing a solid police presence to monitor and prevent crime. The city’s police-to-resident ratio is about 1 officer per 1,000 residents, which is slightly above the national average and ensures that there are enough resources to handle crime effectively. Additionally, the police department utilizes community policing strategies, working closely with residents to address safety concerns and improve neighborhood relations. This approach contributes to Loveland’s relatively low crime rates and its overall reputation as a safe place to live. Source

Neighborhood Watch Programs

Loveland has an active network of Neighborhood Watch programs throughout the city. These programs are organized and supported by the Loveland Police Department to help prevent crime and increase community awareness. Participants in these programs work directly with local law enforcement to monitor and report suspicious activities in their neighborhoods. In 2023, approximately 30% of Loveland neighborhoods participated in some form of Neighborhood Watch. This strong community engagement helps reduce crime and fosters a greater sense of security among residents. Source

Safety Rankings

Loveland consistently ranks as one of the safer cities in Colorado. According to data from 2023, Loveland is ranked within the top 10 safest cities of its size in the state. The city benefits from a lower crime rate overall, with crime reductions seen over the past five years. The safety ranking is supported by factors like community involvement, effective law enforcement, and public safety programs, which have collectively contributed to reducing both violent and property crimes. Loveland’s ranking reflects a city that is proactive in creating a safe environment for its residents. Source

Trend Data

Over the past decade, Loveland has seen a steady decrease in both violent and property crime rates. According to local law enforcement data, violent crime has decreased by about 15% over the past five years, and property crime has declined by approximately 8% in the same period. This downward trend can be attributed to effective policing strategies, a strong sense of community, and the active involvement of neighborhood watch programs. The city’s focus on crime prevention and public safety has contributed to Loveland being viewed as a stable and secure community. Source

School Safety

The safety of students in Loveland’s schools is a top priority, with local schools employing various measures to ensure a secure environment. Schools in the Thompson School District, which serves Loveland, have implemented strict safety protocols, including school resource officers (SROs) and safety drills. In 2023, Loveland schools reported minimal incidents of violence, and school safety programs have been well-received by both parents and staff. The district continues to invest in physical security measures, including surveillance cameras, controlled access points, and emergency response training. Loveland’s commitment to student safety reflects the city’s overall focus on providing a secure environment for its residents. Source

What are the demographics of Loveland, Colorado?

White

The White population in Loveland, Colorado makes up approximately 85.5% of the total population as of the most recent census data from 2020. This is in line with the general trend of higher percentages of White residents in suburban and rural areas of Colorado. Loveland’s demographics are predominantly White, reflecting the overall ethnic makeup of Larimer County and much of northern Colorado. This demographic group continues to be the largest in the region, influencing local culture and community activities. Source

Black or African American

The Black or African American population in Loveland is relatively small, making up approximately 1.4% of the city’s total population, according to the 2020 Census. While this demographic group is less represented compared to the national average, it reflects broader trends in the region, where the Black or African American population is generally underrepresented in many parts of Colorado. This percentage has been relatively stable over the past decade, with efforts in the community to increase diversity and inclusion. Source

Hispanic or Latino

The Hispanic or Latino population in Loveland is significant, comprising about 14.7% of the total population as of the 2020 Census. This marks an increase over previous decades, reflecting the growing diversity in Loveland and northern Colorado. The Hispanic community in Loveland has a deep cultural presence, contributing to the city’s arts, festivals, and culinary landscape. The population of Hispanic or Latino residents is expected to continue growing as Loveland attracts more diverse families and individuals. Source

Two or More Races

The population identifying as Two or More Races in Loveland is approximately 2.3% as of the 2020 Census. This group has been growing steadily, reflecting a broader national trend of increasing multiracial individuals. Loveland, like many communities, has seen more families and individuals identify as multiracial, contributing to the area’s evolving demographic makeup. Source

Asian

Asian residents make up about 2.2% of the population in Loveland, according to the most recent data from the 2020 Census. This group includes people of various national origins, including Chinese, Indian, Vietnamese, and Filipino communities. While the Asian population in Loveland is relatively small, it has grown in recent years, contributing to the city’s cultural diversity. The population of Asian residents in Loveland is expected to continue to grow as the region sees an increase in immigration and international business opportunities. Source

Native American

The Native American population in Loveland is quite small, comprising around 0.5% of the total population as per the 2020 Census. While Loveland itself does not have a large Native American community, there are other parts of Colorado, especially in the southwestern and northern regions, with larger Native populations. The city has minimal representation of Native American tribes or cultural practices but supports broader state and national conversations about indigenous rights and history. Source

Native Hawaiian or Pacific Islander

The Native Hawaiian or Pacific Islander population in Loveland is extremely small, making up less than 0.1% of the city’s population, according to the 2020 Census data. This group is one of the least represented in the Loveland area, as it is in most parts of Colorado. However, there are small communities of Pacific Islanders in the broader Denver metro area, which could be an indication of growing diversity in the state over time. Source

Sources

• U.S. Census Bureau – 2020 Census Data

Loveland, Colorado Population by Age and Gender

Total Population by Gender

The total population of Loveland, Colorado is approximately 81,000, with a gender distribution of about 48.4% male and 51.6% female. This slight skew towards a higher female population is typical of many communities across the United States. The population ratio remains fairly balanced, with a small difference in the number of males and females residing in Loveland. Source

Age Distribution

The age distribution in Loveland, Colorado is varied, reflecting a community with both young families and an aging population. According to the 2020 Census data, approximately 23% of the population is under 18, and about 17% is aged 65 and over. The median age in Loveland is 40.7 years, indicating a more mature population compared to some other areas in Colorado. The largest age groups are individuals between 35-44 years and 45-54 years. This demographic makeup suggests that Loveland is a popular location for families as well as retirees. Source

Median Age

The median age in Loveland is 40.7 years, based on the most recent data from the 2020 Census. This is higher than the national median age of 38.4 years, indicating that Loveland has a slightly older population. The higher median age is likely reflective of the area’s appeal to retirees and older families seeking a quieter, suburban lifestyle. The median age also correlates with a lower percentage of children and young adults, though there are still significant numbers of both groups in the area. Source

Gender Distribution within Age Groups

The gender distribution within various age groups in Loveland is relatively balanced. Among children under the age of 18, males make up about 51% of the population, while females account for 49%. Among adults aged 18-64, the gender distribution is nearly identical, with males and females each representing approximately 49% and 51%, respectively. However, among the elderly population (65 and over), females outnumber males, making up about 60% of this group. This reflects broader demographic trends, where women generally live longer than men. Source

Dependency Ratios

Loveland’s dependency ratio, which measures the proportion of the population that is dependent (children and elderly) relative to the working-age population, is approximately 48%. This is a relatively moderate ratio, indicating a balance between those who are working and those who rely on support, such as children and retirees. With a sizable portion of the population being over 65, this ratio may increase in the future as Loveland’s aging population continues to grow. Source

Population Growth Rates

Loveland has experienced steady population growth in recent years. From 2010 to 2020, the city’s population increased by approximately 16%, outpacing the state’s overall growth rate of 14.8%. The growth has been driven by Loveland’s appeal as a suburban community with access to the larger urban centers of Fort Collins and Boulder, making it an attractive option for families, retirees, and working professionals alike. This growth rate suggests continued demand for housing, services, and infrastructure in the city. Source

Sex Ratio

The sex ratio in Loveland is approximately 96 males for every 100 females, reflecting a slight female skew in the population. This ratio is typical of many cities and aligns with general national trends where women tend to outlive men, especially in older age groups. Source

Sources

• U.S. Census Bureau – 2020 Census Data
• U.S. Census Bureau – QuickFacts Loveland, CO

Loveland, Colorado Zip Codes

Loveland, Colorado, primarily has the following ZIP codes:

• 80537
• 80538
• 80539

This ZIP code covers the majority of the Loveland area.

What is the history of Loveland, Colorado?

History of Loveland, Colorado

Loveland, Colorado, has a rich history that stretches back to the mid-19th century, when the area was first explored and settled by Europeans. Today, it is a thriving city known for its arts scene, natural beauty, and proximity to the Rocky Mountains. However, its origins trace back to the indigenous peoples who lived in the region long before settlers arrived. The town’s development was shaped by its location along key transportation routes and its role in Colorado’s agricultural and industrial growth.

Early Settlement and Indigenous History

Before the establishment of Loveland, the region was inhabited by Native American tribes, including the Ute, Arapaho, and Cheyenne. These tribes had a long-standing connection to the land, using it for hunting, trading, and seasonal migration. Their presence left an imprint on the area, with numerous artifacts and historical sites still present in the region today.

The first European explorers arrived in the Loveland area in the early 1800s. In the 1820s, fur trappers and traders traveled through northern Colorado, trading with the indigenous peoples and mapping out the landscape. By the mid-1800s, settlers began to establish more permanent settlements in the area, drawn by the fertile land and the promise of new opportunities in the American West.

The Birth of Loveland

The city of Loveland officially began in 1877, when William A.H. Loveland, a prominent railroad executive, founded the town. Loveland was established as a stop along the Denver Pacific Railway, which connected Denver to the Union Pacific Railroad. The railroad played a crucial role in the town’s early growth, making Loveland an important hub for shipping agricultural products, especially cattle, and other goods throughout the region.

The town was originally intended to serve as a station for the railroad and as a point of exchange for travelers and goods. Loveland quickly became known for its well-planned streets and convenient location at the foot of the Rocky Mountains. In fact, the town’s name was taken from its founder, William Loveland, who had a vision of a prosperous community located along the train route.

Early Growth and Development

In the early years, Loveland grew rapidly, attracting new settlers and businesses. The fertile soil of the region supported successful agriculture, particularly the cultivation of sugar beets, which became an important crop in the area. The town also became known for its successful ranching operations, as cattle and sheep were raised on the wide plains surrounding the town.

By the late 1800s, Loveland had established itself as a key economic center in northern Colorado. In 1881, the town was incorporated, with a population of just a few hundred people. Over the next few decades, Loveland continued to expand, aided by the arrival of more railroads and the development of local industries, including brickmaking and manufacturing. The arrival of the railroad also made Loveland an attractive location for tourism, as visitors from the East Coast came to explore the natural beauty of the surrounding mountains.

The 20th Century and the Rise of Loveland as an Arts Hub

The early 20th century brought significant changes to Loveland, as the town continued to grow and modernize. The city’s population boomed in the 1920s, driven by an influx of new residents seeking work in the expanding industrial sector. The construction of new highways and the development of the automobile industry made Loveland even more accessible to visitors and newcomers alike.

During the 1930s and 1940s, Loveland faced some economic challenges due to the Great Depression and World War II. However, in the post-war years, Loveland experienced a resurgence as Colorado’s economy recovered. The town became known for its vibrant arts community, with local artists and craftspeople beginning to settle in the area. Loveland earned national recognition as the “Sweetheart City,” thanks in part to its tradition of sending Valentine’s Day cards and gifts to loved ones across the country. This nickname became synonymous with the city’s love of art, culture, and creativity.

The 21st Century and Modern Loveland

Today, Loveland is a dynamic and growing city with a population of over 80,000 residents. It continues to serve as an important hub for agriculture, technology, and tourism in northern Colorado. The town has maintained its reputation as an arts destination, with a thriving arts scene and numerous public art installations throughout the city. Loveland is also home to a number of parks and recreational areas, making it an attractive place for outdoor enthusiasts.

Over the past few decades, Loveland has experienced significant growth and development, with new businesses, residential neighborhoods, and infrastructure projects helping to shape the city’s future. The city’s close proximity to both Fort Collins and Denver has made it an increasingly popular place to live, with many people choosing Loveland for its small-town charm, scenic surroundings, and excellent quality of life.

Loveland’s historical significance, combined with its vibrant cultural scene, has made it one of Colorado’s most beloved cities. As it continues to evolve, the town remains dedicated to preserving its rich heritage while embracing the future.

Sources:

• Loveland History – City of Loveland Official Website
• History of Loveland – History Colorado
• Loveland, Colorado – Official Tourism Website
• Loveland Museum/Gallery – Loveland, Colorado

Loveland, Colorado Weather

Weather in Loveland, Colorado

Loveland, Colorado, experiences a semi-arid climate, which means it has cold winters, warm summers, and generally dry conditions throughout the year. Below is a breakdown of the most recent weather data available for the city, including temperatures, precipitation, wind patterns, and other key metrics.

Average Temperature (by Month)

The average temperature in Loveland varies significantly throughout the year, with hot summers and cold winters. Based on data from 2023, the monthly averages are as follows:

Month	Average High (°F)	Average Low (°F)
January	38	17
February	42	19
March	50	27
April	59	35
May	68	45
June	78	54
July	88	63
August	86	61
September	77	52
October	64	39
November	49	27
December	39	18

These temperatures reflect the semi-arid, continental nature of the climate, with summer highs often reaching into the 80s and 90s °F, while winter months can see lows below freezing.

Precipitation (Rain) Patterns

Loveland receives relatively low annual precipitation, typical of a semi-arid climate. The total average yearly rainfall is about 17 inches, with the wettest months occurring in the spring and early summer.

Month	Average Precipitation (Inches)
January	0.34
February	0.32
March	0.58
April	1.10
May	1.90
June	2.11
July	2.23
August	1.74
September	1.05
October	0.72
November	0.39
December	0.31

May and June are typically the wettest months, with rainfall steadily decreasing as the year progresses into fall and winter. Loveland receives a considerable amount of precipitation in the form of snow during winter, though snowfall totals can vary greatly from year to year.

Extreme Weather Events

Loveland occasionally experiences extreme weather, including snowstorms, tornadoes, and hailstorms. While tornadoes are not as frequent as in other parts of Colorado, they have been recorded. The city typically sees between 20-30 days of snow each winter season, with the heaviest snowfall occurring in March and April. Hailstorms can also be common during the summer months, particularly during the afternoons when thunderstorms are more likely to occur.

For example, in the summer of 2023, Loveland experienced a significant hailstorm that caused damage to vehicles and roofs. Colorado’s “hail season” generally lasts from May through August.

Humidity Levels

Loveland’s humidity levels are typically low, especially compared to more humid regions in the United States. The annual average relative humidity is around 50%, but it can feel drier during the warmer months. Winter air can be particularly dry, often causing conditions like dry skin and static electricity.

Sunlight

Loveland enjoys a high number of sunny days each year, thanks to its semi-arid climate. The city averages over 300 sunny days annually. Summer months, especially June through August, see long daylight hours, while the winter months have shorter days with fewer hours of direct sunlight.

Wind Patterns

Winds in Loveland can be strong, especially during the spring and early summer months. The city is located in a region that is prone to gusty winds due to its proximity to the foothills of the Rocky Mountains. Average wind speeds are around 10-15 mph, though they can gust up to 30-40 mph during certain weather events, particularly during thunderstorms.

Comparison to State and National Averages

When compared to the state of Colorado and the U.S. as a whole, Loveland’s weather is slightly warmer than the state average in terms of summer highs, which regularly reach into the 80s and 90s °F. The state of Colorado averages about 15 inches of precipitation per year, which is fairly similar to Loveland’s average. On the national level, Loveland experiences lower average rainfall than the U.S. average of 38 inches per year, and its winter temperatures are typically colder than the U.S. average due to its higher elevation.

Sources:

• Weather.com – Monthly Forecast for Loveland, CO
• NOAA – Loveland Climate Data
• Colorado State Climate Center – Climate Overview
• Smithsonian – Why Colorado Has Such Bizarre Weather

Average Income in Loveland, Colorado

Average Annual Salary in Loveland, Colorado

As of the most recent data from 2023, the average annual salary in Loveland, Colorado is approximately **$55,000**. This is based on a combination of full-time employees across various industries. The data takes into account the local economy, the prevalence of industries such as healthcare, retail, and education, and the overall labor market trends in the area.

Average Hourly Wage in Loveland, Colorado

The average hourly wage in Loveland, CO, is estimated to be around **$26.44**. This is based on the average earnings of full-time workers in the city and is reflective of various occupations, including those in service, healthcare, and manufacturing sectors. The hourly wage data is consistent with trends seen across other similar-sized cities in Colorado.

Median Salary Range in Loveland, Colorado

The median household income in Loveland, Colorado, is around **$77,000** as of the most recent figures available. This is a crucial metric that helps gauge the overall earning potential for households within the city. The median income suggests that half of Loveland’s households earn more than this amount, and half earn less.

Most Popular Jobs and Careers in Loveland, Colorado

The most popular jobs in Loveland are primarily concentrated in the following industries:

• Healthcare and Social Assistance: Positions like registered nurses, medical assistants, and healthcare support staff are in high demand.
• Retail Trade: Retail managers, sales associates, and customer service representatives are common roles within the area.
• Education: Teachers, administrative support, and educational counselors are among the top professions in Loveland.
• Construction and Manufacturing: Jobs in construction, carpentry, and skilled trades like electricians and plumbers are also highly prevalent.

Highest Paid Jobs in Loveland, Colorado

The highest-paid positions in Loveland are typically found in the following fields:

• Healthcare: Physicians, surgeons, and specialized medical practitioners (such as anesthesiologists) are among the top earners in the region.
• Technology: Software developers and IT managers command high salaries due to the growing tech scene in northern Colorado.
• Management: Senior-level executives, including managers and directors, in industries like finance and construction earn some of the highest wages.

Comparison to State and National Averages

When comparing Loveland’s average income levels to the broader state and national averages, we see some key differences:

• Colorado State Average: The average household income for Colorado in 2023 is approximately **$85,000**, which is higher than Loveland’s median of $77,000. This difference may be attributed to more affluent areas like Denver and Boulder, which have higher average incomes.
• United States National Average: The national average household income in the U.S. is around **$75,000**, which is similar to Loveland’s median income. This means that Loveland’s income levels are in line with national trends, though slightly above average for Colorado.

Sources:

• U.S. Census Bureau – Loveland City Income Statistics
• Bureau of Labor Statistics – Colorado Occupational Employment and Wage Estimates
• Colorado Living – Incomes in Colorado
• Zillow – Loveland, CO Housing and Income Data

Taxes in Loveland, Colorado

Loveland, Colorado, has several types of taxes that residents and businesses must pay. These include property taxes, sales taxes, and utility taxes, as well as specific taxes for lodging and entertainment. Below is a detailed breakdown of the tax structure in Loveland, Colorado, as of 2023.

Property Taxes

The property tax rate in Loveland is set by the Larimer County Assessor’s Office. In 2023, the average effective property tax rate for Loveland homeowners is approximately **0.61%** of the property’s assessed value. This rate is lower than the state average for Colorado, which is around 0.55% to 0.9%. The actual tax rate can vary depending on the property’s location, its assessed value, and local mill levies.

For example, the total mill levy in Loveland (including city, county, and school district taxes) can range from **60 to 80 mills**, with variations depending on the specific location within the city. For a home valued at $400,000, this could mean an annual property tax of about **$2,400 to $3,200**.

Sales Taxes

The total sales tax rate in Loveland, Colorado, is **7.4%** as of 2023. This is composed of several parts:

• State of Colorado Sales Tax: 2.9%
• Larimer County Sales Tax: 0.8%
• City of Loveland Sales Tax: 3.0%
• Regional Transportation District Tax (RTD): 0.7%

In total, Loveland residents and businesses pay a combined 7.4% in sales taxes on most goods and services. This is slightly higher than the state average of 7.2%, largely due to the city and county portions of the tax.

Income Taxes

Loveland residents are subject to Colorado’s state income tax, which is **4.4%** for the 2023 tax year. Colorado uses a flat income tax rate, meaning all taxpayers, regardless of income, pay the same rate. There are no additional local income taxes imposed by the city of Loveland itself.

The state income tax rate in Colorado is lower than the national average of 6.0% for state income taxes, making it relatively attractive for residents and businesses. However, higher income earners may face additional federal taxes on top of the state rate.

Utility Taxes

Loveland charges a utility tax on certain utility services. This includes a tax on natural gas, electricity, and water, but it does not apply to phone or internet services. The rates are as follows:

• Electricity: 3.0%
• Natural Gas: 3.0%
• Water: 3.0%

The utility taxes are typically added to the monthly utility bills of residents and businesses and are used to help fund city services and infrastructure.

Hotel Occupancy Tax

Loveland has a **4.0%** hotel occupancy tax. This tax is applied to the total room rate for hotels, motels, and other short-term lodging establishments. The revenue from this tax is used to support tourism promotion and local events in the area.

Entertainment Taxes

Loveland does not impose a specific entertainment tax, though certain events may be subject to sales taxes if tickets or goods are sold as part of the event. For example, tickets for concerts, festivals, or sporting events may be taxed as part of the general sales tax rate.

Tax Payment Schedule

Property taxes in Loveland are due on **January 1st** of each year. Taxpayers can pay in one installment or in two half payments, with the first payment due by **February 28th** and the second due by **June 15th**. The city also allows for online payment of property taxes through the Larimer County website.

Penalties for Late Payment

If property taxes are not paid by the due dates, interest and penalties will be assessed. The penalty rate for late payment is **1% per month** of the outstanding tax amount. Additionally, an interest charge of **1% per month** is applied to unpaid taxes, beginning from **March 1st**.

Where to Pay Taxes

Taxes in Loveland can be paid through several methods. Property taxes can be paid online through the Larimer County Assessor’s Office website. Sales taxes for businesses can be paid through the Colorado Department of Revenue website. Utility payments are handled directly through the Loveland Water and Power website.

Comparison to State and National Averages

Loveland’s tax rates are comparable to state and national averages. For example:

• Sales Tax: The 7.4% sales tax rate in Loveland is higher than the Colorado state average of 7.2%, but it’s still within a reasonable range compared to other states in the U.S. The national average for state sales taxes is approximately **6.0%**.
• Income Tax: Colorado’s 4.4% state income tax is well below the national average of **6.0%** for state income taxes, making it one of the lower rates in the country.

Sources:

• Larimer County Assessor’s Office – Property Taxes
• Loveland Water and Power – Utility Taxes
• Colorado Department of Revenue – Sales and Income Taxes
• City of Loveland – Sales Tax Information
• Colorado State Sales Tax Rates

Is Loveland, Colorado a Good Place to Live for Singles?

Loveland, Colorado, is a growing city that offers a blend of outdoor activities, a supportive community, and a variety of amenities for singles. The city is known for its scenic beauty, proximity to the Rocky Mountains, and vibrant local events, making it an attractive place for singles who enjoy an active lifestyle and a welcoming community. Below is a breakdown of key factors that may help singles decide whether Loveland is a good fit for them.

Events and Activities

Loveland is known for its numerous events and activities that cater to a wide variety of interests. There are festivals, live music, and community gatherings, many of which attract singles looking to socialize. Some popular events and activities include:

• Loveland Winter Walk & Festival of Lights: An annual event that brings the community together with food, entertainment, and a holiday light display.
• Loveland Sculpture Show: A celebration of art, showcasing both local and national artists. A great place to meet new people and appreciate public art.
• Live Music and Dining: The downtown area offers several bars and restaurants with live music, including spots like the Downtown Loveland website for current events.

For more community events and activities, check out the city’s event listings through the City of Loveland Events page.

Gyms

Staying active is a priority for many singles, and Loveland offers several gyms and fitness centers to suit various workout preferences. Here are some options for those interested in fitness:

• YMCA of Northern Colorado: A large community fitness center offering group classes, a swimming pool, and gym facilities. A great place to meet people while working out.
• Snap Fitness: A 24-hour gym offering convenience for those with busy schedules.

For more information on gyms in Loveland, visit a Yahoo search for gyms in Loveland.

Housing

The housing market in Loveland has been growing steadily, with a variety of rental options for singles. There are apartments, townhouses, and homes for rent, catering to different budgets. The median rent for a one-bedroom apartment in Loveland is about **$1,250** per month, which is relatively affordable compared to other cities in Colorado.

Singles who prefer an urban lifestyle will find apartments in the downtown area, while those who want more space may prefer homes or apartments on the outskirts of the city. There is also a strong demand for housing in Loveland, especially with the city’s proximity to Fort Collins and Denver, which means rental prices are competitive.

For more information on available rentals, check listings on Zillow Rentals in Loveland.

Percentage of Single Residents

According to the most recent U.S. Census data, approximately **36%** of Loveland residents are single (never married, divorced, or widowed). This is a good proportion of the population, indicating that singles will find a significant number of people to connect with in the area.

The percentage of single residents in Loveland is slightly higher than the state average of around **32%** in Colorado, and it is consistent with national trends where about **34%** of the population is single. This means that Loveland offers a healthy dating scene for singles, with plenty of opportunities for socializing and meeting new people.

For more information on the local demographics, visit the U.S. Census Bureau – Loveland Statistics.

Comparison to State and National Averages

When comparing Loveland to state and national averages for singles, we see the following trends:

• Colorado State: Approximately 32% of the state’s population is single, which is slightly lower than Loveland’s 36%. This means that Loveland has a higher proportion of singles compared to the state as a whole.
• United States Average: The national average for single adults is about 34%. Loveland is slightly higher than the national average, indicating that it is a great place for singles compared to many other areas in the U.S.

Sources:

• City of Loveland – Events and Activities
• Yahoo search for gyms in Loveland
• Zillow Rentals in Loveland
• U.S. Census Bureau – Loveland Statistics

Is Loveland, Colorado Good for Families?

Loveland, Colorado, is considered a great place for families due to its safe environment, excellent schools, and a wide variety of recreational opportunities. The city offers a combination of affordable housing options, low crime rates, and a strong sense of community. Families also benefit from a range of outdoor activities, access to parks, and a growing job market. Below is a more detailed look at the factors that make Loveland an appealing choice for family life.

Parks and Family Activities

Loveland is home to numerous parks and outdoor activities that are ideal for families. The city has more than 20 parks, featuring playgrounds, walking trails, sports fields, and picnic areas. Popular parks include:

• Winona Park: A popular park with a playground, picnic areas, and access to walking trails along the Big Thompson River.
• North Lake Park: A family favorite for its large open spaces, fishing ponds, and a skate park. It’s great for family outings and sports activities.
• Loveland Recreation Center: This facility offers an indoor swimming pool, fitness center, and various family-friendly programs like art and swimming lessons.

Additionally, the city organizes seasonal events and community programs that cater to families. For more information about local events, visit the City of Loveland Events page.

Restaurants

Loveland offers a variety of family-friendly dining options, from casual eateries to sit-down restaurants that cater to all tastes. Here are some popular options:

• Italian Restaurants: You can find great Italian cuisine in Loveland, such as Italian Restaurants in Loveland for a full list of options.
• Mexican Restaurants: Enjoy delicious Mexican food at places like Mexican Restaurants in Loveland.
• BBQ Restaurants: For a taste of smoky barbecue, check out BBQ Restaurants in Loveland.
• American Restaurants: For classic American cuisine, see American Restaurants in Loveland for a range of choices.

Housing

The housing market in Loveland is family-friendly, with many homes offering larger yards and family-oriented neighborhoods. As of 2023, the median home price in Loveland is around **$550,000**, making it more affordable than neighboring areas like Fort Collins. The city offers a range of housing options, from single-family homes to townhouses, suitable for families looking for a permanent residence. Loveland’s real estate market is growing, and more homes are being developed in suburban areas, which often offer access to good schools and safe environments for children.

For more information on homes for sale, check out listings on Zillow Homes for Sale in Loveland.

Percentage of Family Residents

According to the latest U.S. Census data, approximately **60%** of Loveland’s residents are married, indicating a strong family presence in the city. This is slightly higher than the Colorado state average of **55%** and reflects Loveland’s appeal as a family-oriented community. The area is known for its family-friendly atmosphere, supported by its schools, parks, and other amenities that cater to families.

For more detailed demographic information, visit the U.S. Census Bureau – Loveland Statistics.

Comparison to State and National Averages

When comparing Loveland’s family statistics to the state and national averages:

• Colorado State: Around 55% of Colorado residents are married, which is slightly lower than Loveland’s 60%. Loveland is a great location for families, with a higher proportion of married individuals than the state average.
• United States Average: Nationally, about 50% of the population is married, which is lower than Loveland’s 60%, showing that the city is more family-centric than many other parts of the country.

Sources:

• City of Loveland – Events and Activities
• Italian Restaurants in Loveland
• Mexican Restaurants in Loveland
• BBQ Restaurants in Loveland
• American Restaurants in Loveland
• Zillow Homes for Sale in Loveland
• U.S. Census Bureau – Loveland Statistics

How are the schools in Loveland, Colorado?

Schools in Loveland, Colorado

Loveland, Colorado, is home to a strong educational system, supported by both public and private schools. The city is part of the Thompson School District, which is known for its diverse programs and solid academic performance. Funding for the schools primarily comes from local property taxes, state support, and federal funding, with the district consistently working to maintain high standards. The district’s average ACT scores are above the state average, and the graduation rate is strong. Families can expect well-rated schools with a range of extracurricular opportunities, including athletics, arts, and STEM programs. Below is a detailed breakdown of schools in Loveland, from pre-kindergarten through to higher education.

Pre-K Schools

Loveland offers several options for pre-kindergarten education, both in public and private settings. Notable pre-K schools include:

• Thompson School District Early Childhood Education: Offers a variety of preschool programs designed for children aged 3-5. These programs focus on preparing young learners for kindergarten, with an emphasis on social and academic skills. More details can be found at Thompson School District Early Childhood.
• Loveland Montessori School: A private school offering a Montessori-style education for preschool-aged children. The focus is on individualized learning and a nurturing environment. Learn more at Loveland Montessori School.

Kindergarten Schools

Kindergarten programs in Loveland are available in both public schools within the Thompson School District as well as private schools. These programs aim to provide early literacy, numeracy, and social development.

• Centennial Elementary School: Offers a well-rated kindergarten program that focuses on foundational learning skills. The school has a strong reputation for its nurturing environment and academic support. For more information, visit Centennial Elementary School.
• St. John’s Lutheran School: This private school offers a faith-based kindergarten program focusing on both academic and spiritual growth. More information can be found at St. John’s Lutheran School.

Elementary Schools

Loveland has several elementary schools within the Thompson School District, each providing strong academic foundations in core subjects and enrichment opportunities.

• High Plains Elementary School: A highly rated school in Loveland known for its academic excellence, particularly in STEM and literacy programs. More details at High Plains Elementary School.
• Namaqua Elementary School: A well-regarded school that offers a range of academic and extracurricular activities, including music, art, and physical education. For more information, visit Namaqua Elementary School.

Middle Schools

Loveland has strong middle schools that provide academic rigor along with support for social and emotional development. These schools typically serve students in grades 6-8.

• Erwin Middle School: Known for its diverse student body and its offerings in advanced placement classes and extracurricular programs. It provides a variety of sports and arts programs. More information at Erwin Middle School.
• Lucile Erwin Middle School: Another highly-rated middle school offering a comprehensive academic program, including language arts, science, and math. It also has a variety of after-school activities for students. Learn more at Lucile Erwin Middle School.

High Schools

Loveland is home to several high schools, offering a range of academic programs, including Advanced Placement (AP), honors, and vocational training options. These schools have a reputation for preparing students for higher education and careers.

• Loveland High School: The flagship public high school in the city, known for its strong academic programs, including AP courses and a variety of extracurricular activities like athletics and music programs. For more details, visit Loveland High School.
• Thompson Valley High School: Offers a wide range of academic options and extracurriculars, including arts, athletics, and academic clubs. The school is known for its commitment to preparing students for college and careers. More information is available at Thompson Valley High School.

Colleges and Universities

Loveland is conveniently located near several higher education institutions, providing ample opportunities for families considering post-secondary education options.

• Aims Community College (Loveland Campus): Offers a wide range of associate degrees, certificates, and continuing education programs. The Loveland campus is easily accessible to local residents. Learn more at Aims Community College.
• Colorado State University (Fort Collins): Just a short drive from Loveland, CSU is one of Colorado’s top public universities, offering a wide range of undergraduate and graduate programs. For more details, visit Colorado State University.

Churches in Loveland, Colorado

• Immanuel Lutheran Church – A vibrant Lutheran congregation offering worship services, educational programs, and community outreach.
  Immanuel Lutheran Church
• Mountain View Church – A contemporary Christian church known for its engaging worship and family-oriented activities.
  Mountain View Church
• Faith Evangelical Church – A non-denominational Christian church offering Bible studies, youth groups, and a variety of ministries.
  Faith Evangelical Church
• St. John Lutheran Church – A traditional Lutheran congregation with a strong focus on community service and family programs.
  St. John Lutheran Church
• First Christian Church – A Christian church committed to following Jesus Christ and serving the local community.
  First Christian Church
• Grace Community Church – A church with an emphasis on grace, healing, and community engagement through worship and service projects.
  Grace Community Church
• New Life Church – A Pentecostal church offering contemporary services and community outreach programs.
  New Life Church
• Bethel Lutheran Church – A traditional Lutheran church that offers worship services, youth programs, and a variety of events.
  Bethel Lutheran Church
• Christ Community Church – A Christian church focused on transforming lives through the love of Christ and community involvement.
  Christ Community Church
• Trinity Lutheran Church – A welcoming Lutheran church offering family and children’s ministries, Bible studies, and worship services.
  Trinity Lutheran Church

Conclusion: Why you should consider moving to Loveland, Colorado

If you’re considering a move to Loveland, Colorado, you’re looking at a city that offers an unbeatable combination of natural beauty, thriving community life, and excellent opportunities for both work and leisure. Whether you’re drawn to Loveland for its affordable housing options, outdoor activities, or strong schools, this city has something for everyone. With its proximity to the stunning Rocky Mountains and a rich variety of parks, trails, and recreational areas, Loveland is perfect for outdoor enthusiasts, families, and professionals alike.

Loveland also boasts a low crime rate, a stable job market, and a welcoming, tight-knit community, making it an ideal place to settle down and build a life. The city’s diverse cultural offerings, from local festivals to arts and entertainment, create a vibrant atmosphere that will make you feel right at home. Plus, with its excellent schools, both public and private, your children can receive a top-notch education while being immersed in a caring, supportive environment.

Whether you’re starting a career, raising a family, or just looking for a beautiful and peaceful place to live, Loveland has it all. The strong sense of community, combined with the stunning Colorado landscape, makes this city not just a place to live, but a place to thrive. If you’re ready for a fresh start in a city that blends charm, opportunity, and adventure, Loveland, Colorado, is waiting to welcome you.