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Place dossier plate
SheetCO-LOVELAND-CO · Loveland, CO 77,350 pop · income 64th pct
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around Loveland
Lowest/highest poles plus peers nearest Loveland on median household income. Full ladder: /browse and /rankings.
median HH income
Hammond · lowest
53,950
Hammond · lowest
53,950 median HH income
29.0% of the leader · rank #1
Coarsegold · near
82,574
Coarsegold · near
82,574 median HH income
44.3% of the leader · rank #2
Perry · near
82,589
Perry · near
82,589 median HH income
44.4% of the leader · rank #3
Loveland · this city
82,592
Loveland · this city
82,592 median HH income
44.4% of the leader · rank #4
Niantic · near
82,604
Niantic · near
82,604 median HH income
44.4% of the leader · rank #5
Country Club · near
82,614
Country Club · near
82,614 median HH income
44.4% of the leader · rank #6
Pleasanton · highest
186,206
Pleasanton · highest
186,206 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income, and FBI crime rate
Out-of-state nearest neighbors for Loveland on ACS population and median household income
, plus FBI UCR reporting rate when the extract covers this place. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 77,350.
Agency-reported UCR totals per 100,000 population, not a neighborhood safety grade or a prediction of personal risk.
Loveland - the verdict
Measured against every US city with at least 1,000 residents, Loveland lands in the 64th percentile for household income and the 25th percentile for safety. Source: Census ACS + FBI UCR.
64th
percentile, household income
82nd
percentile, home value
68th
percentile, median rent
25th
percentile, safety
📝 How we sourced this
Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.
Data Snapshot: Loveland, CO
77,350 people live in Loveland, Colorado - a small city by U.S. Census Bureau ACS 2023 estimates. Loveland households earn a median of $82,592 annually, above the median for U.S. cities on this measure, with a poverty rate of 4.6%. Typical homes in Loveland are valued around $453,100, and the median resident age is 40.8 years. 39.1% of adults here have a bachelor's degree or higher; 61.4% of working-age residents are in the labor force.
Housing supply pressure shows in Census Building Permit Survey data: 386 residential units were authorized in 2024 (Rapid Growth), up 30% from five years earlier. Crime here tracks close to the national norm: FBI UCR reporting places total crime at 2332.8 incidents per 100,000 residents, near the national average (voluntary agency reporting, reflects reporting activity, not a definitive danger score). NOAA puts Loveland's yearly average temperature at 48.7°F with 15.6 inches of precipitation per year and 47.0 inches of snowfall.
Colorado carries a cost-of-living premium: the state registers 103.1 on a 100-equals-national-average index (Above Average) per BEA Regional Price Parities 2024. Statewide, HUD pegs Fair Market Rent for a two-bedroom unit at $1,429 monthly. Statewide, average monthly utility bills in Colorado run around $202, per EIA 2023 residential energy data. Natural-hazard exposure scores 40.7 out of 100 on FEMA's National Risk Index (Low).
A decision-led reading path
Useful questions to ask of Loveland's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from housing and income to reported crime to population change to climate and hazard context to comparison shortlist to schools and households to work and mobility; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Loveland, city-specific coverage includes matched public-school count, commute-mode shares, FBI reported-crime rates, local building permits, annual population history.
No matched row is reported here for within-city Census tract profiles; the page leaves those layers out instead of substituting a statewide or national value.
Question 1
How far does income reach against housing in Loveland?
The home-value-to-income reference is comparatively stretched: the ACS median home value is 5.5 times median household income. The ACS poverty estimate is 4.6%, which keeps the citywide median from describing every household.
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Housing value is high relative to the citywide income median. That flags a question for comparison, not a verdict: tenure, household composition, financing costs, and the age of the ACS estimate can all change what a resident actually pays.
What can the FBI record say about safety in Loveland?
Treat this as a reporting-rate comparison, not a prediction of personal risk or a neighborhood-level safety grade. Tourism, daytime population, reporting practices, and variation inside the city are not adjusted away. The state rank and same-state peer table are the narrower comparisons available on this page.
The joined FBI UCR record reports 2332.8 violent and property crimes per 100,000 residents, near the 2280.5 national reference used here. The difference is 2% higher in arithmetic terms, but agency participation is voluntary and reporting completeness varies.
Is Loveland growing, shrinking, or holding steady?
Recent estimates point upward. Growth can increase housing demand and service needs, but the permit record must move in the same direction before calling it a supply response; the two series measure different things.
Census PEP estimates show the population grew by +5,043 residents from 2020 to 2025, a +6.6% change. Separately, Census BPS recorded 386 housing units authorized in 2024. PEP and ACS are different Census series, so the trend is kept separate from the headline ACS population.
Which cities make useful reference points for Loveland?
Within Colorado, the closest population matches are Castle Rock (76,614 residents, $143,031 income); Broomfield (75,110 residents, $121,025 income); Grand Junction (67,027 residents, $66,676 income). Outside the state, the closest population matches in this dataset are Bellflower, CA (77,396 residents); Cedar Park, TX (77,474 residents); Pleasanton, CA (77,500 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching. The nationwide peer panel below adds a fourth FBI UCR reporting-rate lens, not personal risk.
These joined records add useful context, but they do not need another full-size panel. Each remains a separate measure with its own geography and source boundary.
Climate and hazard context
What physical conditions frame life in Loveland?
NOAA normals put the annual mean temperature at 48.7°F, with 15.6 inches of precipitation and 47.0 inches of annual snowfall. FEMA's state-averaged National Risk Index score for Colorado is 40.7 out of 100. Climate normals describe long-run weather; the FEMA score on PlainCities is a state average of county NRI inputs and combines hazards, exposure, vulnerability, and resilience.
The two sources should not be blended into one comfort or safety score. Use the climate values for baseline conditions and the risk index as a prompt to inspect specific hazards, insurance, and local emergency guidance for a particular address.
Mean temperature
48.7°F
Annual precipitation
15.6 in
FEMA risk index (state avg)
40.7
NOAA Climate Normals and FEMA National Risk Index (state-averaged on PlainCities). Hazard context is not address-level.
The NCES join finds 27 public schools within the city match. 39.1% of adults age 25+ hold a bachelor's degree or higher in the ACS estimate. These measures answer different questions: the school count describes local institutions, while adult attainment describes residents and cannot be used as a school-quality rating.
The city has a broader matched school footprint, but count alone does not describe performance, capacity, program availability, or attendance boundaries. This profile deliberately avoids converting it into an unsupported family-friendliness score.
Matched public schools
27
Bachelor's degree+
39.1%
Poverty estimate
4.6%
NCES Common Core of Data school locations plus Census ACS resident characteristics.
What does the journey to work look like in Loveland?
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. Remote work has a visible role in the local pattern. That can reduce commute exposure for some workers, but it says nothing about job availability or broadband quality; read it alongside income and housing rather than as a stand-alone lifestyle score.
Driving alone is the largest reported mode at 75.5%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.
Public transit
0.3%
Work from home
15.7%
Drive alone
75.5%
City-level Census ACS commuting estimates covering 38,967 workers age 16+.
Above median income · poverty 4.6% (Below-median poverty)
Cost of Living Index (state)
103.1 (US=100)
Above-average cost · BEA RPP 2024, Colorado average
C-
City profile score · Loveland, CO
52/100
5 published dimensions · ACS/FBI 2023
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Bachelor's+ share B
39.1%
Adults with a bachelor's degree or higher; ACS.
Poverty rate B-
4.6%
Share of residents below the poverty line; lower scores better on this axis.
Household income C+
$82,592
Median household income vs U.S. cities (pop ≥1,000); ACS.
Violent crime F
315 /100k
FBI UCR violent offenses per 100,000 residents; lower is stronger on this axis.
Cost of living F
103.1 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
Loveland profile (scored ACS/FBI dimensions)Read the chart values
Bachelor's+ share: 74/100 (B) · 39.1%
Poverty rate: 68/100 (B-) · 4.6%
Household income: 62/100 (C+) · $82,592
Violent crime: 31/100 (F) · 315 /100k
Cost of living: 26/100 (F) · 103.1 index
Where Loveland sits on home value vs crime among peer cities
Loveland's median home value and FBI crime rate plotted with similar-size and
same-state peers (padded with large cities when the peer set is thin). The second
read: pricey does not always mean safer, check which quadrant this city lands in.
Census ACS median home value vs FBI UCR crime rate - Loveland highlighted among 13 peers.Read the chart values
Loveland, CO (this city): home $453,100, crime 2,333/100k
Bellflower, CA : home $661,100, crime 2,783/100k
Cedar Park, TX : home $474,800, crime 1,294/100k
Pleasanton, CA : home $1,432,300, crime 1,792/100k
Racine, WI : home $158,100, crime 1,495/100k
Hammond, IN : home $141,700, crime 3,814/100k
Bethlehem, PA : home $236,500, crime 1,575/100k
Castle Rock, CO : home $621,700, crime 974/100k
Broomfield, CO : home $631,600, crime 2,004/100k
Grand Junction, CO : home $358,300, crime 3,716/100k
Commerce City, CO : home $463,200, crime 3,663/100k
Parker, CO : home $613,200, crime 1,857/100k
Longmont, CO : home $541,400, crime 3,088/100k
How does Loveland compare to other US cities?
Where Loveland sits among all US cities (population 1,000+) on each measure, computed live from Census and FBI data.
Household income64% higher than other cities
Home value82% pricier than other cities
Median rent68% pricier than other cities
Safety25% safer than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
National percentiles can mask local variation. Looking only at Colorado, Loveland ranks #73 of 116 Colorado cities by lowest crime rate - a narrower, more locally useful cut than the national comparison above.
How we calculate these percentiles & ranks
Each percentile compares Loveland against every qualifying US city; each in-state rank narrows that to Colorado only. Full formula and direction notes: methodology.
Colorado-relative analysis
Median Gross Rent places Loveland near the bottom of Colorado's cities
Among the 408 Colorado cities PlainCities tracks with reported median gross rent data, Loveland ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Loveland only against its own state's cities, not the full US field.
Median Household Income
#181 of 379
52nd percentile in Colorado
Median Gross Rent
#1 of 408
0th percentile in Colorado
Median Home Value
#160 of 388
59th percentile in Colorado
Poverty Rate
#210 of 408
48th percentile in Colorado
Bachelor's Degree or Higher
#176 of 408
56th percentile in Colorado
How in-state ranks are ordered
Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Colorado only, not a livability score. See the methodology for the source and calculation.
Gauge source note
64th percentile nationally for median household income · 25th percentile for safety (lower crime rate). Source: Census ACS 2023 / FBI UCR 2023.
Loveland's profile vs. every US city
Income, affordability, and safety percentile
Loveland's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown.
How Loveland's home value compares nationally
Median home value vs. every US city (population 1,000+)
$453,10018th percentilemore affordable than 18% of 15,600 US cities
Show national distribution
Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau ACS 5-Year Estimates · 2023
Loveland's home-value-to-income ratio: 5.5×
ACS median home value divided by median household income.
Band
pressured
> 5.0×
National rank
#13,554 of 15,516
More affordable than 13% of tracked cities (pop. 1,000+)
Size class
#518 of 750
Mid-size cities (50,000–199,999)
At 5.5×, Loveland sits in the pressured band:
national rank #13,554 of 15,516 and #518 of 750mid-size cities (50,000–199,999).
Housing value is high relative to the citywide income median, a comparison flag, not a verdict on any household.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$82,592Loveland, CO median household income (Census ACS)
Show U.S. national quintile / Lorenz context Loveland, CO median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Loveland, CO.
Key socioeconomic indicators
Bachelor's degree or higher (adults 25+)39.1%
Census ACS S1501, educational attainment
Poverty rate (households below FPL)4.6%
Census ACS S1701, poverty status
Labor force participation (adults 16+)61.4%
Census ACS S2301, share of working-age residents in the labor force
Population
77,350
Median Income
$82,592
Median Home Value
$453,100
Median Age
40.8
Poverty Rate
4.6%
Labor force participation
61.4%
Bachelor's Degree+
39.1%
Safety & Crime
Total Crime Rate
2332.8
per 100,000 residents
Violent Crime
314.8
per 100,000 residents
Property Crime
2018.1
per 100,000 residents
Crime reporting caveat
Reflects incidents reported to the FBI's Uniform Crime Reporting program — agency participation is voluntary and reporting completeness varies by jurisdiction and year, so this reflects reporting activity, not a definitive danger score. Not adjusted for tourism, commuter, or daytime population.
Climate
Avg Temperature
48.7°F
Annual Precipitation
15.6"
Annual Snowfall
47.0"
Schools
Total Schools
27
Public schools in this city
Population Change
PEP vintage
Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025
Loveland's Census PEP population estimates, 2020–2025.Read the chart as text
Period
Population
2020
76,344 residents
2021
76,993 residents
2022
77,918 residents
2023
79,400 residents
2024
80,976 residents
2025
81,387 residents
Housing Supply
BPS source
Census Bureau Building Permits Survey (BPS) - annual residential permits authorized
📈 Rapid Growth
Total Permits (2024)
386
housing units authorized
Single-Family
342
detached homes
Multifamily
44
apartments & condos
Supply Intensity
5
permits per 1,000 residents
5-Year Permit Trend (2019–2024)
Year
Total
Single-Family
Multifamily
Est. Value
2019
297
237
60
$76.7M
2020
613
483
130
$159.6M
2021
1,023
530
493
$241.0M
2022
1,058
398
660
$251.7M
2023
969
211
758
$205.4M
2024
386
342
44
$151.0M
Permit volume increased 30% from 2019 to 2024.
Commute Patterns
Commute source
How workers travel to work, Census ACS 2023
Drive Alone
75.5%
Carpool
5.6%
Public Transit
0.3%
Walk
1.1%
Work from Home
15.7%
Other
1.8%
Based on 38,967 workers 16 and over.
Monthly Utility Costs
Colorado statewide monthly utility average (EIA 2023): $202
EIA 2023 residential energy data puts average monthly utilities across Colorado at $202 (electricity about $90 , water and sewer about $50 ).
These are Colorado statewide averages, not a meter reading for Loveland. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
Colorado's BEA cost-of-living index is 103.1 (Above Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Loveland is $1,429/mo. FEMA's National Risk Index, averaged to Colorado statewide on PlainCities, rates natural-hazard exposure at 40.7 / 100 (Low).
Cost/risk geography note
Cost of living is a Colorado statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Loveland sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Loveland compares to similar-size Colorado cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
Source: U.S. Census Bureau ACS 5-Year 2023, FBI UCR, NOAA Climate Normals, NCES CCD, Census BPS 2024, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.