ZIP Code 80538 — Loveland city, CO Demographics & Data

ZIP code 80538 covers Loveland, CO in Larimer County with a population of about 49,183.

At a glance, the area shows median age of 43.3 versus a U.S. median of about 38.9.

It sits in telephone area code 970; U.S. House district CO-2; the DENVER media market.

Median household income in ZIP 80538 is about $85,057 — about 13% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.0%; unemployment rate near 4.5%; 42.5% of adults with a bachelor’s degree or higher (about 8.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Retail trade; about 17.4% of workers reporting work-from-home (about 2.3 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $472,200 — about 36% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,562 (about 34% above the U.S. median rent ($1,163)), and owner-occupancy near 69.0% (about 3.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 80538 in Loveland, CO, a household would need roughly $130,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,033. That is about 53% above the local median household income ($85,057), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Loveland city, CO as Relatively Moderate (composite score 90.1), which is among the highest nationally. The strongest component scores on US5 are wildfire (97.7) and flood (89.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Loveland city, CO show little to no average snow and around 15.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,248 for ZIP 80538 (Loveland city, CO) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.