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ZIP Code · CO

ZIP 80538

Part of Loveland, CO
Pop. 50,110·Larimer County·71st most expensive ZIP in Colorado
Median rent (all units)
$2,029/mo
Year-over-Year
+4.5%
Month-over-Month
-1.9%
vs US Median
+$64
Falling (Monthly)
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Most AffordableMost Expensive
ZIP 80538 · $2,029
More expensive than 62% of US ZIP codes · National median $1,965/mo
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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: July 20, 2026

Annual cost
$24,348/yr
At $2,029/mo median
Location
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 (+4.5% YoY, -1.9% 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%
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
$1,663 → $2,029
up 22.0%
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 $1,663 to $2,029, up 22.0% 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.

Community

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Local insights

Tips for renters in ZIP 80538

About renting in ZIP 80538

Last updated: July 20, 2026

ZIP code 80538 covers Loveland, CO. The median rent here is $2,029/mo as of July 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 4.5% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 80538?

As of July 20, 2026, the median monthly rent in ZIP 80538 (Loveland, CO) is $2,029. This is based on aggregated data from public sources and community submissions.

How does ZIP 80538 rent compare to the US average?

ZIP 80538's median rent of $2,029/mo is $64 (3%) above the US national median of $1,965/mo.

How does ZIP 80538 compare to other ZIPs in Colorado?

ZIP 80538 falls in the middle range for Colorado, ranking #71 out of 166 ZIPs at $2,029/mo.

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 (~$39/hour full-time) to afford the median rent of $2,029/mo in ZIP 80538. The local median household income is $86,671/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 80538?

Rent in ZIP 80538 has increased 4.5% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 80538 an affordable place to rent?

ZIP 80538 is considered affordable for renters. At $2,029/mo, rent takes approximately 28% of the local median household income ($86,671/yr). The standard benchmark is 30%. ZIP 80538 falls comfortably within that range.

What percentage of ZIP 80538 residents rent vs. own?

According to Census data, approximately 30.6% of ZIP 80538 households are renters, while 69.4% are owner-occupied. ZIP 80538 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 80538 compare to the rest of Loveland?

ZIP 80538 is pricier than Loveland as a whole. At $2,029/mo, it's $170 above the Loveland citywide median of $1,859/mo.

When was rent data for ZIP 80538 last updated?

Rent data for ZIP 80538 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
28%
AFFORDABLE

At $2,029/mo, rent takes ~28% of ZIP 80538's median household income ($86,671/yr). The standard benchmark is 30%.

ZIP 80538 28%Benchmark 30%
State income tax4.4%
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Schools nearby

Public schools near ZIP 80538 (Loveland, CO)

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