PlainZIP

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
$86,671
Median income
$497,700
Median home value
41.4%
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 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.

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 Colorado average), while per-capita income is $49,050. 8.8% of residents live below the poverty line, and the unemployment rate reads 4.6%. Housing costs here run $497,700 for a typical home value (3% above the state average), with rent averaging $1,760 a month; 69.4% of 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. A geography-based comparison follows: 4 ZIP codes within about 10 miles of 80538, 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 80538

Top 5 sectors by establishment count in Loveland, CO

Which industries have the most business establishments in ZIP 80538.

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 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

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 80538?

42.9

Median Age

48.6%

Male

51.4%

Female

5.2%

Foreign-Born

White 82.1%
African American 1.4%
Asian 0.9%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 11.7%
Hispanic or Latino 15.5%

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

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

$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 62.1%
Bachelor's Degree or Higher 41.4%

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

Owner 69.4%
Renter 30.6%

$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 →

ZIP 80538 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 80538 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 80538 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 80538 ranks #3 of 5 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
80526 Fort Collins, CO 44,183 3.6 mi
80537 Loveland, CO 38,821 7.2 mi
80521 Fort Collins, CO 33,409 8.3 mi
80525 Fort Collins, CO 48,419 8.0 mi

More ZIP Codes in Larimer County

80525 standard
Fort Collins, CO
Pop: 48,419
80526 standard
Fort Collins, CO
Pop: 44,183
80537 standard
Loveland, CO
Pop: 38,821
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 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.

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