Loveland, CO

Above Avg · 126

Colorado · Population 77,350 · Updated March 2026

$1,683
Median Rent / Month
$82,592
Median Income
$453,100
Median Home Value
$1,599
Owner Costs / Month

Affordability

How far your income goes in Loveland

24.5%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Colorado

State-level tax rates that affect your costs

4.4%
Income Tax (Top Rate)
2.9%
Sales Tax
0.51%
Property Tax Rate

Estimated Annual Costs

$20,196
Annual Rent
$3,634
State Income Tax
$2,311
Property Tax (est.)

Cost of Living Overview

Loveland has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 126 (where 100 equals the national median), Loveland residents can expect to pay median rent of $1,683/month while earning a median household income of $82,592/year.

The median home value in Loveland, CO is $453,100, with typical monthly owner costs around $1,599 including mortgage, insurance, and taxes. The median rent-to-income ratio of 24.5% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Colorado has a moderate income tax rate of 4.4%. Combined with a 2.9% sales tax rate and 0.51% effective property tax rate, the overall tax environment is a factor in the total cost of living in Loveland.

Frequently Asked Questions

Common questions about living costs in Loveland

What is the cost of living in Loveland, CO?
The cost of living index in Loveland, CO is 126 (US average = 100). Median monthly rent is $1,683, median household income is $82,592/year, and the median home value is $453,100.
Is Loveland, CO affordable?
No, Loveland is more expensive than the national average with a cost index of 126. The rent-to-income ratio is 24.5%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Loveland, CO?
The median gross rent in Loveland, CO is $1,683 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $20,196.
What is the median household income in Loveland?
The median household income in Loveland, CO is $82,592 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Colorado?
Colorado has a top income tax rate of 4.4%, a sales tax of 2.9%, and an effective property tax rate of 0.51%.