Cost of Living in Loveland
The Sweetheart City · Sculpture capital of Colorado
What it costs to live in Loveland
Adjust the sliders for your situation. Ranges reflect uncertainty in HOA and metro district fees, narrower is more confident.
Based on your inputs below
Assumes 20% down, 30-year fixed at 6.5% (as of 2026-04-22).
Housing$2,960 – $3,360 | |
|---|---|
| Mortgage (6.5%, 20% down) | $2,579 |
| Property tax | $248 |
| HOA | $0 – $200 |
| Insurance | $133 |
| Metro district fees | not yet verified |
Transportation$756 | |
|---|---|
| Car payments (your input) | $500 |
| Gas (~91 min to downtown) | $256 |
Utilities$345 | |
|---|---|
| Electric & gas (City of Loveland (municipal electric) / Xcel Energy (gas)) | $205 |
| Water (City of Loveland Water & Power) | $70 |
| Internet | $70 |
Groceries$650 | |
|---|---|
| Monthly estimate | $650 |
Housing figures updated April 2026. Confidence: low.
car-dependent
Housing Market
- Median Home Price
- $475K–$540K
- Data Year
- 2026
- Year-over-Year Change
- +1–3%
- Avg Days on Market
- 50–60
- Inventory (Months)
- 3–4
Tax Rates
- Property Tax Rate
- ~0.58%
- Sales Tax Rate
- 7.65%
- Cost of Living vs National
- ~5% above national average
Monthly Costs
- Water Provider
- City of Loveland Water & Power
- Electric & Gas
- City of Loveland (municipal electric) / Xcel Energy (gas)
- Internet Providers
- Comcast/Xfinity, CenturyLink/Lumen, Ting fiber (expanding)
- Trash & Recycling
- City services
Income & Cost Context
- Median Household Income
- $76,500
- Cost of Living Index
- ~5% above national average
- Avg Childcare Cost
- $1,100–$1,400
Common QuestionsFAQ, Loveland
What is the median home price in Loveland?
The median home price in Loveland ranges from $475K to $540K as of 2026 (Redfin ~$475K, Zillow ZHVI ~$540K). Year-over-year prices have increased 1–3%, with homes averaging 50–60 days on market. Entry prices run $100K+ below Fort Collins, making Loveland one of the more affordable options in Larimer County.
What is the cost of living in Loveland?
The cost of living in Loveland is approximately 5% above the national average. The property tax rate is ~0.58%, and the combined sales tax rate is 7.65%. Colorado’s state income tax is a flat 4.4%. The median household income is $76,500.
Estimates for informational purposes only, not financial advice. Actual costs vary by specific property, subdivision, and household.