ZIP Code · CO

ZIP 80538

Part of Loveland, CO

Pop. 50,110·Larimer County·70th most expensive ZIP in Colorado

Median rent (all units)

$2,017/mo

Year-over-Year

+1.1%

Month-over-Month

-0.1%

vs US Median

+$85

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 80538 · $2,017

More expensive than 62% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,580

1 BR

$1,610

2 BR

$1,810

3 BR

$2,490

4 BR+

$2,650

Research median

$1,810/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Cheapest month to sign

January. Asking rents in ZIP 80538 usually run 1.4% below trend in January and 1.5% above it in August, about $58 a month apart at today's median. Based on 6 years of data.

Compared with the peak

Rent in ZIP 80538 is 0.4% below its high of $2,025 in March 2026, at $2,017 as of September 2026.

Past year vs. the rest of Colorado

Rent in ZIP 80538 changed +1.1% over the year to September 2026. Across the 155 Colorado ZIP codes Zillow tracks, the typical change was +1.3%.

Since before the pandemic

Rent in ZIP 80538 is 29% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.

Recent direction

Rent has fallen 2 months in a row, and rose in 5 of the last 12 months.

What a typical income covers

30% of the median household income ($86,671) is $2,167 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,810); a 3-bedroom is $2,490.

Cheaper nearby

ZIP 80537, 9 miles away, rents for 11% less ($1,798/mo), about $2,600 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 80538. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$24,204/yr

At $2,017/mo median

Location

CityLoveland

StateCO

CountyLarimer County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (+1.1% YoY, -0.1% MoM), not inventory.

Demographics

Who lives here

ZIP 80538 (Loveland, CO) is majority owner-occupied, has a large retiree population, 41.4% of residents hold a bachelor's degree or higher.

Population

50,110

Median income

$86,671

Median age

42.9

Renters

30.6%

Age distribution

19.7%

24.6%

12.8%

23.2%

Under 1819.7%

18–3419.7%

35–5424.6%

55–6412.8%

65+23.2%

Gender

48.6%

51.4%

Male48.6%

Female51.4%

Race & ethnicity

82.1%

15.5%

White82.1%

Black1.4%

Hispanic15.5%

Asian0.9%

Education (25+)

20.7%

34%

41.4%

No HS diploma3.9%

HS diploma20.7%

Some college34%

Bachelor's+41.4%

Housing tenure

69.4%

30.6%

Owner69.4%

Renter30.6%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 80538 in Loveland, CO has changed in 5 years

Rent

$1,635 → $2,017

up 23.4%

Income

$78,698 → $86,671

up 10.1%

Population

49,879 → 50,110

up 0.5%

Renter share

29.8% → 30.6%

+0.8 pts

Bachelor's+

40.9% → 41.4%

+0.5 pts

Median age

41.5 → 42.9

+1.4 yrs

Across the past five years, the going rent in ZIP 80538 in Loveland, CO has shifted from $1,635 to $2,017, up 23.4% since 2021. On the earnings side, the typical household in ZIP 80538 in Loveland, CO now reports about $86,671, up from $78,698 in 2021. Because rent grew faster than wages over the same span, the affordability picture has tightened relative to 2021. For context, the 2021 to 2026 window covers an unusually volatile run for US rents nationally, and ZIP 80538 in Loveland, CO reflects that arc in its own way.

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About renting in ZIP 80538

Last updated: October 17, 2026

ZIP code 80538 covers Loveland, CO. The median rent here is $2,017/mo as of October 2026. A 1-bedroom rents for a median of $1,610/mo. A 2-bedroom rents for a median of $1,810/mo.

At 28% of local median household income ($86,671/yr), ZIP 80538 ranks as affordable compared to the national benchmark of 30%. Rents have increased 1.1% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 80538?

To keep rent at or below 30% of gross income, you would need to earn at least $81,000/year (about $39/hour full-time) to afford the median rent of $2,017/mo in ZIP 80538. The local median household income is $86,671/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 80538?

Rent in ZIP 80538 has risen 1.1% over the past year as of September 2026. It sits 0.4% below its high of $2,025 in March 2026.

When is the cheapest time to rent in ZIP 80538?

Asking rents in ZIP 80538 are usually lowest in January, about 1.4% below their yearly trend, and highest in August, about 1.5% above it. At today's median that is a gap of roughly $58 a month. This pattern comes from 6 years of Zillow rent data.

How does ZIP 80538 compare to other ZIPs in Colorado?

ZIP 80538 is in the middle among Colorado ZIP codes for rent, ranking #70 of 168 at $2,017/mo. Over the year to September 2026, rent in ZIP 80538 changed +1.1%, against a typical +1.3% across the 155 Colorado ZIP codes Zillow tracks.