ZIP Code 80538
standardSource:
Loveland · Larimer County · Colorado
- Population
- 43,930
- Median income
- $86,671
- Median home value
- $497,700
- Bachelor's or higher
- 41.4%
- Land area
- 279.8 sq mi
157/sq mi
▲ 14% vs US
higher than 70% of US ZIPs
▲ 79% vs US
higher than 87% of US ZIPs
Median age 42.9
Denver
ZIP code 80538 in Loveland, Colorado has a population of 43,930. The median household income is $86,671, which is 14% above the national average. Median home value is $497,700, 79% above the US average. 41.4% of residents hold a bachelor's degree or higher.
ZIP code 80538 is classified by USPS as a standard delivery area and covers roughly 279.8 square miles in Loveland, Larimer County, Colorado. The area is home to 43,930 residents, producing a population density of 157 people per square mile, and falls within the Denver time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 80538 against Colorado and the nation.
On the economic side, the median household income for ZIP 80538 sits at $86,671 (2% below the Colorado average), while per-capita income is $49,050. The poverty rate stands at 8.8% and the unemployment rate at 4.6%. On housing, the median home value is $497,700 (3% above the state average) with median rent at $1,760 per month, and 69.4% of occupied units are owner-occupied, a direct signal of whether 80538 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 41.4% of adults hold a bachelor's degree or higher, the median age is 42.9, and the average commute is 28 minutes. We also surface 4 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Larimer County, so you can benchmark 80538 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 80538
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$49,050
Per Capita Income
8.8%
Poverty Rate
4.6%
Unemployment Rate
27.9 min
Mean Commute Time
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?
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
$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 →
More ZIP Codes in Larimer County
Related Areas
Frequently Asked Questions
What county is ZIP code 80538 in? ▼
What is the population of ZIP code 80538? ▼
What is the median household income in ZIP 80538? ▼
What is the average home value in ZIP 80538? ▼
What is the demographic makeup of ZIP 80538? ▼
How many businesses are in ZIP code 80538? ▼
What are the main industries in ZIP code 80538? ▼
How have home values changed in ZIP code 80538? ▼
What is the education level in ZIP code 80538? ▼
What is the average commute time in ZIP 80538? ▼
What percentage of residents own vs. rent in ZIP 80538? ▼
What is the poverty rate in ZIP code 80538? ▼
ZIP Code Research Guides
Official Data Resources for Loveland, CO
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.