PlainZIP

Loveland, CO · standard

ZIP Code 80537

Larimer County, Colorado - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

38,821
141/sq mi
$86,325
Median income
$484,300
Median home value
38.6%
Bachelor's or higher

The verdict

Loveland pairs an above-median household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 31%
household income, US ZIPs
Top 14%
home value, US ZIPs
141
people per sq mi
64%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 80537 against every reporting US ZIP.

ZIP code 80537 is a densely settled ZIP (a standard USPS delivery area) in Loveland, Larimer County, Colorado, with 38,821 residents across 274.5 square miles, a density of 141 people per square mile, in the Denver time zone.

ZIP 80537 lands in the middle-income range, with a median household income of $86,325 (3% below the Colorado average), while per-capita income is $47,420. Poverty here runs at 7.3%, with unemployment measured at 5.4%. Median home value sits at $484,300 (0% below the state average), median rent at $1,684 a month, and owner-occupancy at 63.5%.

A solid share of residents have a four-year degree: 38.6% of adults hold a bachelor's degree or higher, the median age is 41.1, and the average commute is 26 minutes. A geography-based comparison follows: 3 ZIP codes within about 10 miles of 80537, plus 6 more within Larimer County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 80537

Top 5 sectors by establishment count in Loveland, CO

Which industries have the most business establishments in ZIP 80537.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 80537, Loveland, CO · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

38,821

Population

274.5

Area (sq mi)

141

People / sq mi

Denver

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 80537?

41.1

Median Age

51.1%

Male

48.9%

Female

2.9%

Foreign-Born

White 84.6%
African American 0.4%
Asian 1.5%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.2%
Two or More Ethnicities 9.2%
Hispanic or Latino 13.0%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$86,325

Median Household Income

-3% vs state

$47,420

Per Capita Income

7.3%

Poverty Rate

5.4%

Unemployment Rate

25.8 min

Mean Commute Time

How ZIP 80537 ranks nationally

Loveland, CO household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$86,325 Top 31% higher than 69% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. 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 · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 61.6%
Bachelor's Degree or Higher 38.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

20,101

Total Housing Units

19,474

Occupied Units

627

Vacant Units

2.26

Avg Household Size

Occupancy Type

Owner 63.5%
Renter 36.5%

$484,300

Median Home Value

-0% vs state

$1,684

Median Rent

1991

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+4.8%

YoY Change (2024)

293

HPI Index (2000 = 100)

+193%

Total Change Since 2000

Home values in ZIP 80537 have increased 4.8% over the past year (2024). Since 2000, this ZIP has seen +193% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.5% 210
2021 +9.7% 231
2022 +19.3% 275
2023 +1.6% 279
2024 +4.8% 293

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 1,511 business establishments in ZIP 80537, employing approximately 17,163 people with a combined annual payroll of $978,922,000.

1,511

Businesses

17,163

Employees

$978.9M

Annual Payroll

17

Industry Sectors

Industry Establishments % of Total
Construction 254 16.8%
Professional, scientific, and technical services 201 13.3%
Other services (except public administration) 169 11.2%
Retail trade 155 10.3%
Health care and social assistance 119 7.9%
Accommodation and food services 114 7.5%
Manufacturing 90 6.0%
Real estate and rental and leasing 88 5.8%
Finance and insurance 70 4.6%
Administrative and support and waste management and remediation services 70 4.6%
Wholesale trade 61 4.0%
Arts, entertainment, and recreation 37 2.5%
Transportation and warehousing 26 1.7%
Information 24 1.6%
Educational services 20 1.3%
Mining, quarrying, and oil and gas extraction 6 0.4%
Agriculture, forestry, fishing and hunting 3 0.2%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 80537 vs 80538 →

ZIP 80537 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 80537 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 80537 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 80537 ranks #4 of 4 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
80538 Loveland, CO 43,930 7.2 mi
80513 Berthoud, CO 10,296 6.8 mi
80526 Fort Collins, CO 44,183 10.5 mi

More ZIP Codes in Larimer County

80525 standard
Fort Collins, CO
Pop: 48,419
80526 standard
Fort Collins, CO
Pop: 44,183
80538 standard
Loveland, CO
Pop: 43,930
80521 standard
Fort Collins, CO
Pop: 33,409
80524 standard
Fort Collins, CO
Pop: 31,668
80528 standard
Fort Collins, CO
Pop: 17,946

Related Areas

Larimer County Loveland, CO Colorado

Frequently Asked Questions

What county is ZIP code 80537 in? ▼
ZIP code 80537 (Loveland) is located in Larimer County, Colorado. Larimer County contains multiple ZIP codes, see the full list at /counties/larimer-co.
What is the population of ZIP code 80537? ▼
ZIP code 80537 in Loveland, CO has a population of 38,821 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 80537? ▼
The median household income in ZIP 80537 is $86,325, which is 13% above the national average of $76,288.
What is the average home value in ZIP 80537? ▼
The median home value in ZIP 80537 is $484,300, which is 74% above the national average of $278,155.
What is the demographic makeup of ZIP 80537? ▼
The largest racial group in ZIP 80537 is White at 84.6%. Hispanic or Latino residents make up 13.0% of the population.
How many businesses are in ZIP code 80537? ▼
ZIP code 80537 has 1,511 business establishments employing approximately 17,163 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 80537? ▼
The top industries by establishment count in ZIP 80537 are: Construction (254), Professional, scientific, and technical services (201), Other services (except public administration) (169). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 80537? ▼
According to the FHFA House Price Index, home values in ZIP 80537 increased by 4.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 193%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 80537? ▼
In ZIP code 80537, 61.6% of residents aged 25+ have a high school diploma or higher, and 38.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 80537? ▼
The mean commute time for workers in ZIP code 80537 is 25.8 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 80537? ▼
In ZIP code 80537, approximately 63.5% of occupied housing units are owner-occupied and 36.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 80537? ▼
The poverty rate in ZIP code 80537 is 7.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.