ZIP 80537 vs ZIP 80538

This side-by-side compares ZIP 80537 (Loveland, CO) and ZIP 80538 (Loveland, CO) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 80537 has a population of 38,821 at 141 people per square mile, while ZIP 80538 has 43,930 at 157 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 80537 reports a median household income of $86,325 against $86,671 in ZIP 80538, with per-capita income of $47,420 vs $49,050. The share of adults holding a bachelor's degree or higher is 38.6% in 80537 and 41.4% in 80538. Poverty rate reads 7.3% vs 8.8%, and unemployment 5.4% vs 4.6% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $484,300 in 80537 versus $497,700 in 80538, with median rent of $1,684 and $1,760 per month respectively. Homeownership rate is 63.5% vs 69.4%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.