Residential delivery area · Colorado
ZIP Code 80538: Loveland, CO
ZIP code 80538 uses the postal name Loveland, Colorado and lies entirely in Larimer County (Census 2020 ZIP-county file). About 50,000 people live there (Census Bureau, ACS 2020-2024), the more populous of Loveland's 2 residential ZIP codes. Median household income is $86,671 (Census Bureau, ACS 2020-2024). By Census place, 21% of its land lies in Loveland, and under 1% in smaller places; 78% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Loveland · 2 residential ZIPs
- County
- Larimer County
- Census places
- Loveland
- Neighborhood
- High Plains Village GeoNames
- Metro area
- Fort Collins-Loveland, CO
- House districts
- CO-2 (72%), CO-4 (27%) 119th Congress, by share of land
- State
- Colorado
- Time zone
- Mountain
- Land area
- 102.2 sq mi · 490 people per sq mi
- PO Box ZIPs
- 80539 also use the name Loveland
Where is ZIP code 80538?
80538 centers on 40.545°, -105.245° and covers 102.2 square miles of land plus 4.8 of water. It borders 8 ZIP codes: 80526, 80515, 80525, 80537, 80528, 80512, 80550, 80534.
The map draws ZIP code areas only. For the streets inside 80538, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0); neighborhoods from the GeoNames gazetteer (CC BY 4.0), placed in this ZIP code by PlainZIP.
How does 80538 compare with the rest of Loveland?
| Measure | 80538 | In Loveland | In Larimer County | In CO |
|---|---|---|---|---|
| People (ACS 2020-2024) | 50,110 | 1st of 2 | 2nd of 23 | 15th of 527 |
| Median household income | $87k | 1st of 2 | 14th of 17 | 155th of 277 |
| Median home value | $498k | 1st of 2 | 15th of 18 | 156th of 311 |
Its median household income is higher than in 70% of U.S. residential ZIP codes, and it is denser than 72% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 80538?
The 2020 Census counted 49,084 people in 80538; the ACS, which samples households over 2020-2024, estimates 50,110. Between the 2010 and 2020 censuses its population grew 11.7% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 50,110
- 2020 Census count
- 49,084+11.7% since 2010 (43,930)
- Households
- 21,474
- Median age
- 42.9
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 80538?
Of the 50,110 people the ACS estimates in 80538, 19.7% are under 18 and 23.2% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (78.1%), then Hispanic or Latino (15.5%).
- Under 1819.7%
- 18 to 6457.1%
- 65 and older23.2%
- White, not Hispanic78.1%
- Hispanic or Latino15.5%
- Other or two or more4.0%
- Black, not Hispanic1.4%
- Asian, not Hispanic0.9%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 80538 earn?
Median household income is $86,671 (ACS 2020-2024), the 14th highest of the 17 ranked ZIP codes in Larimer County. It is not measurably different from 2015-2019 ($85,221 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $86,671
- Income per person
- $49,050
- Below the poverty line
- 8.8%
- Unemployed (of the labor force)
- 4.6%
- Adults 25+ with a bachelor's degree
- 41.4%
- Adjusted gross income per tax return, 2022
- $87,98226,760 returns; wages 61% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 80538?
FHFA's house price index for 80538, built from repeat sales and appraisals of the same homes, rose 94% from 2015 to 2025 and rose 39% from 2020 to 2025, and moved +0.1% in 2025.
- Median home value (owners' estimate)
- $497,700
- Median gross rent
- $1,760
- Homes owned by their occupants
- 69.4%
- Housing units
- 21,939
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 80538?
1,529 business establishments had a location in this ZIP code in 2023, 116 more than in 2018; the most are in health care and social assistance (ZIP Code Business Patterns).
- Health care and social assistance228
- Professional, scientific, and technical services194
- Construction189
- Retail trade183
- Accommodation and food services119
- Real estate and rental and leasing118
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 80538?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 80526 | Fort Collins | 44,326 | $89k | 6.3 mi |
| 80515 | Drake | 934 | $67k | 9.2 mi |
| 80525 | Fort Collins | 54,211 | $92k | 10.8 mi |
| 80537 | Loveland | 44,425 | $86k | 11.4 mi |
| 80528 | Fort Collins | 24,960 | $130k | 13.0 mi |
| 80512 | Bellvue | 1,903 | $98k | 18.3 mi |
| 80550 | Windsor | 46,456 | $126k | 18.5 mi |
| 80534 | Johnstown | 20,502 | $129k | 21.9 mi |
| 80521 | Fort Collins | 38,776 | $58k | 7.0 mi (near) |
| 80532 | Glen Haven | 185 | $53k | 12.3 mi (near) |
| 80524 | Fort Collins | 40,030 | $85k | 13.3 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.