What it's like to live in Loveland
Loveland is a smaller city in Colorado with crime rates well below the national average, a highly educated workforce, a growing population, and schools with class sizes near the national average. Those factors carry real weight for anyone weighing where to move next.
The tradeoffs are worth naming plainly. Loveland deals with rent well above the national average, home prices well above the national average, air quality that falls short of national benchmarks, and a rent burden that leaves many renters stretched thin.
The good
- Low crime rates
- Highly educated workforce
- Growing population
- Average class sizes
The not so good
- Rent well above the national average
- High home prices
- Air quality concerns
- High rent burden for renters
- Cold, harsh winters
- Snowy winters — 47" per year
How Loveland compares
Median household income
Median rent (per month)
Median home value
What it takes to move to Loveland
Based on Loveland's median rent, home value and household income
To rent
$3,460
up front: first month plus a typical one-month deposit
- Income to keep rent under 30%: $69,200 a year
- 52% of Loveland renters spend 30% or more of their income on rent
To buy
$95,800
a 20% down payment on the median home
- With 10% down: $47,900
- Homes cost 5.7× the typical local household income (US: 4.1×)
Moving costs, closing costs and taxes not included.
The details
Cost of living▲ 22% above US
$1,730/mo median rent
Rent runs on the higher side, at $1,730 a month median. Whether that premium makes sense usually comes down to the local job market and what it pays. Home prices are steep, with a median around $479,000. Renting first to get a feel for the city before buying is often the more practical route.
Median home value $479,000 · 52% of renters cost-burdened
Job marketNear US average
4.2% unemployment
Unemployment here is 4.2%, close to the national average of 4.3%.
City-level (BLS)
Safety▼ 51% below US
163 violent crimes per 100k
Pretty safe, all things considered. Violent crime sits below the national average, nothing alarming, just ordinary city-life awareness.
Property crime 1442/100k · Loveland Police Department · 2025 data
Getting aroundNear US average
26 min average commute
Commutes run about average, at 26.2 minutes. Fine day to day, but it adds up over a year, and where someone lives relative to where they work starts to matter. 8 in 10 workers drive to work; 20% work from home.
How workers get to work
Climate
Summers are warm, with highs around 86°F, and winters are cold and harsh, with lows dropping to 14°F. It's a dry climate with limited rainfall.
Average month
30-year averages, 1991–2020
Healthcare
2 hospitals
There are 2 Medicare-certified hospitals inside city limits. They average 4.0 out of 5 on Medicare's star rating.
Medicare-certified hospitals
Education & workforceNear US average
39% bachelor's degree or higher
Education levels run about average, with 39% college-educated. It's a mix of white-collar and blue-collar work, which can be an asset or a limitation depending on the field.
Schools
23 public schools inside the boundary
There are 23 public schools inside the boundary and 3 private schools. The student-to-teacher ratio is 17:1, close to the national average of 16:1.
Parks & recreation
The nearest national park or historic site is Rocky Mountain National Park (34 miles away).
Bottom line
Loveland's strongest points are crime rates well below the national average and a highly educated workforce; the main tradeoffs are rent well above the national average and home prices well above the national average. A year of median rent ($1,730/mo) equals 25% of the median household income here, more than the 21% typical nationwide. It tends to suit anyone prioritizing low crime and remote workers (20% of workers here already work from home). It may be a harder fit for anyone who dislikes long, cold winters.
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