Loveland, CO · standard
ZIP Code 80538
Larimer County, Colorado - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 43,930
- 157/sq mi High-density area
- $86,671
- Median income Above-median income area
- $497,700
- Median home value Above-median home value
- 41.4%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Loveland pairs an above-median household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 30%
- household income, US ZIPs
- Top 13%
- home value, US ZIPs
- 157
- people per sq mi
- 69%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 80538 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 80538 (Loveland, CO) rose +5.4% from 2023 to 2024. The all-transactions index moved from 263.0 in 2023 to 277.2 in 2024 (2000 = 100).
ZIP code 80538 is a densely settled ZIP (a standard USPS delivery area) in Loveland, Larimer County, Colorado, with 43,930 residents across 279.8 square miles, a density of 157 people per square mile, in the Denver time zone.
ZIP 80538 lands in the middle-income range, with a median household income of $86,671 (2% below the average Colorado ZIP), while per-capita income is $49,050. The poverty rate is 8.8%, with unemployment at 4.6%; those measures add context to the income figure. Median home value is $497,700 (3% above the average Colorado ZIP) and median rent is $1,760; 69.4% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 41.4% of adults hold a bachelor's degree or higher, the median age is 42.9, and the average commute is 28 minutes. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in Larimer County, so 80538 can be compared with both its immediate and county-level context.
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 80538
Top 5 sectors by establishment count in Loveland, CO
Which industries have the most business establishments in ZIP 80538.
- Health care and social assistance
Health care and social assistance
228 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
194 establishments
- Construction
Construction
189 establishments
- Retail trade
Retail trade
183 establishments
- Accommodation and food services
Accommodation and food services
119 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 80538, 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
43,930
Population
279.8
Area (sq mi)
157
People / sq mi
Denver
Time Zone
standard
ZIP Type
Who lives in ZIP 80538?
42.9
Median Age
48.6%
Male
51.4%
Female
5.2%
Foreign-Born
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?
$86,671
Median Household Income
-2% vs state ZIP avg
$49,050
Per Capita Income
8.8%
Poverty Rate
4.6%
Unemployment Rate
27.9 min
Mean Commute Time
How ZIP 80538 ranks nationally
Loveland, CO household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$86,671 Top 30% higher than 70% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
21,939housing units
21,939
Total Housing Units
21,474
Occupied Units
465
Vacant Units
2.32
Avg Household Size
Occupancy Type
$497,700
Median Home Value
+3% vs state ZIP avg
$1,760
Median Rent
1992
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
+5.4%
YoY Change (2024)
277
HPI Index (2000 = 100)
+177%
Total Change Since 2000
Home values in ZIP 80538 have increased 5.4% over the past year (2024). Since 2000, this ZIP has seen +177% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.6% | 199 |
| 2021 | +12.7% | 225 |
| 2022 | +15.2% | 259 |
| 2023 | +1.6% | 263 |
| 2024 | +5.4% | 277 |
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 1,529 business establishments in ZIP 80538, employing approximately 24,652 people with a combined annual payroll of $1,458,632,000.
1,529
Businesses
24,652
Employees
$1.5B
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 228 | 14.9% |
| Professional, scientific, and technical services | 194 | 12.7% |
| Construction | 189 | 12.4% |
| Retail trade | 183 | 12.0% |
| Accommodation and food services | 119 | 7.8% |
| Real estate and rental and leasing | 118 | 7.7% |
| Other services (except public administration) | 113 | 7.4% |
| Finance and insurance | 103 | 6.7% |
| Administrative and support and waste management and remediation services | 86 | 5.6% |
| Manufacturing | 43 | 2.8% |
| Wholesale trade | 41 | 2.7% |
| Transportation and warehousing | 34 | 2.2% |
| Educational services | 21 | 1.4% |
| Arts, entertainment, and recreation | 20 | 1.3% |
| Information | 15 | 1.0% |
| Management of companies and enterprises | 12 | 0.8% |
| Mining, quarrying, and oil and gas extraction | 7 | 0.5% |
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 80538 vs 80526 →
ZIP 80538 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 80525
Fort Collins (80525)
48,419 residents
- 80526
Fort Collins (80526)
44,183 residents
- 80538
Loveland (80538)
43,930 residents
- 80537
Loveland (80537)
38,821 residents
- 80521
Fort Collins (80521)
33,409 residents
What this shows Among its immediate neighbors, ZIP 80538 ranks #3 by population - useful context the national average alone can't give.
ZIP 80538 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 80525
Fort Collins (80525)
$91,636 median income
- 80526
Fort Collins (80526)
$88,686 median income
- 80538
Loveland (80538)
$86,671 median income
- 80537
Loveland (80537)
$86,325 median income
- 80521
Fort Collins (80521)
$58,082 median income
What this shows By household income, ZIP 80538 ranks #3 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 80538, both outside CO so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (43,930 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Larimer County
Related Areas
Frequently Asked Questions
What county is ZIP code 80538 in?
ZIP code 80538 (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 80538?
ZIP code 80538 in Loveland, CO has a population of 43,930 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 80538?
The median household income in ZIP 80538 is $86,671, which is 14% above the national average of $76,288.
What is the average home value in ZIP 80538?
The median home value in ZIP 80538 is $497,700, which is 79% above the national average of $278,155.
What is the demographic makeup of ZIP 80538?
The largest racial group in ZIP 80538 is White at 82.1%. Hispanic or Latino residents make up 15.5% of the population.
How many businesses are in ZIP code 80538?
ZIP code 80538 has 1,529 business establishments employing approximately 24,652 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 80538?
The top industries by establishment count in ZIP 80538 are: Health care and social assistance (228), Professional, scientific, and technical services (194), Construction (189). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 80538?
According to the FHFA House Price Index, home values in ZIP 80538 increased by 5.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 177%. 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 80538?
In ZIP code 80538, 62.1% of residents aged 25+ have a high school diploma or higher, and 41.4% 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 80538?
The mean commute time for workers in ZIP code 80538 is 27.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 80538?
In ZIP code 80538, approximately 69.4% of occupied housing units are owner-occupied and 30.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 80538?
The poverty rate in ZIP code 80538 is 8.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 80538's numbers, next.
- See how ZIP 80538 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Loveland, CO ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.