80538 ZIP Code
Loveland, Colorado
December 20, 2025
| ZIP Code: | 80538 |
| City/Town: | Loveland |
| County: | Larimer |
| State: | Colorado |
| ZIP Type: | Standard |
| Population: | 48,929 |
| Median Household Income: | $85,141 |
| Per Capita Income: | $46,321 |
| Total Housing Units: | 20,964 |
| Median Home Value: | $448,800 |
| Land Area: | 102.2 sq miles
264.6 sq km |
| Water Area: | 4.8 sq miles
12.5 sq km |
| Coordinates: | 40.5446, -105.2451 |
Population Information (80538 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 48,929 | -- | -- |
| Male: | 23,489 | 48.0% | 49.6% |
| Female: | 25,440 | 52.0% | 50.4% |
| Median Age: | 42.8 yrs | -- | 38.5 yrs |
| Under 5 years: | 2,038 | 4.2% | 5.7% |
| 5 to 9 years: | 2,160 | 4.4% | 6.0% |
| 10 to 14 years: | 4,076 | 8.3% | 6.5% |
| 15 to 19 years: | 2,878 | 5.9% | 6.6% |
| 20 to 24 years: | 2,567 | 5.2% | 6.7% |
| 25 to 34 years: | 5,552 | 11.3% | 13.7% |
| 35 to 44 years: | 6,480 | 13.2% | 12.9% |
| 45 to 54 years: | 5,896 | 12.1% | 12.4% |
| 55 to 59 years: | 2,262 | 4.6% | 6.5% |
| 60 to 64 years: | 3,561 | 7.3% | 6.4% |
| 65 to 74 years: | 6,842 | 14.0% | 9.7% |
| 75 to 84 years: | 2,933 | 6.0% | 4.8% |
| 85 years and over: | 1,684 | 3.4% | 2.0% |
Housing Information (80538 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $448,800 | -- | $281,900 |
| Median rooms: | 6.3 | -- | 5.5 |
| Median rent: | $1,637 / mo. | -- | $1,268 / mo. |
| Total housing units: | 20,964 | -- | -- |
| Occupied housing units: | 20,472 | 97.7% | 38.0% |
| Vacant housing units: | 492 | 2.3% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 14,395 | 70.3% | 64.8% |
| Renter-occupied: | 6,077 | 29.7% | 35.2% |
Educational Attainment (80538 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 35,210 | -- | -- |
| Less than 9th grade: | 614 | 1.7% | 4.7% |
| 9th to 12th grade, no diploma: | 824 | 2.3% | 6.1% |
| High school graduate: | 8,025 | 22.8% | 26.4% |
| Some college, no degree: | 7,995 | 22.7% | 19.7% |
| Associate degree: | 3,028 | 8.6% | 8.7% |
| Bachelor's degree: | 9,073 | 25.8% | 20.9% |
| Graduate or professional degree: | 5,651 | 16.0% | 13.7% |
| Percent high school graduate or higher: | -- | 95.9% | 89.1% |
| Percent bachelor's degree or higher: | -- | 41.8% | 34.3% |
Income Information (80538 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $85,141 / yr. | $75,149 / yr. |
| Mean household income: | $104,832 / yr. | $105,833 / yr. |
| Median family income: | $99,163 / yr. | $92,646 / yr. |
| Per capita income: | $46,321 / yr. | $41,261 / yr. |
Employment (80538 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 23,915 | -- | 63.5% |
| Employed: | 22,998 | 96.2% | 96.4% |
| Unemployed: | 917 | 3.8% | 5.3% |
| Not in labor force: | 16,047 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 18,237 | 79.3% | 79.7% |
| Government workers: | 2,926 | 12.7% | 14.2% |
| Self-employed: | 1,785 | 7.8% | 5.9% |
| Unpaid family workers: | 50 | 0.2% | 0.1% |
Race & Ethnicity (80538 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 43,314 | 88.5% | 61.6% |
| Black or African American: | 453 | 0.9% | 12.4% |
| American Indian/Alaska Native: | 47 | 0.1% | 1.1% |
| Asian: | 521 | 1.1% | 6.0% |
| Native Hawaiian/Pacific Islander: | 18 | 0.0% | 0.2% |
| Some other race: | 1,185 | 2.4% | 8.4% |
| Two or more races: | 3,391 | 6.9% | 10.2% |
| Hispanic or Latino (any race): | 3,077 | 6.3% | 18.7% |
| Mexican: | 7,037 | 14.4% | 11.2% |
| Puerto Rican: | 5,518 | 11.3% | 1.8% |
| Cuban: | 216 | 0.4% | 0.7% |
| Other Hispanic or Latino: | 182 | 0.4% | 5.0% |
| Not Hispanic or Latino: | 1,121 | 2.3% | 81.1% |
Income Distribution (80538 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 812 | 4.0% | 4.9% |
| $10,000 to $14,999: | 512 | 2.5% | 3.8% |
| $15,000 to $24,999: | 1,201 | 5.9% | 7.0% |
| $25,000 to $34,999: | 1,247 | 6.1% | 7.4% |
| $35,000 to $49,999: | 1,801 | 8.8% | 10.7% |
| $50,000 to $74,999: | 3,494 | 17.1% | 16.1% |
| $75,000 to $99,999: | 3,235 | 15.8% | 12.8% |
| $100,000 to $149,999: | 4,263 | 20.8% | 17.1% |
| $150,000 to $199,999: | 1,809 | 8.8% | 8.8% |
| $200,000 or more: | 2,098 | 10.2% | 11.4% |
Commute to Work (80538 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 17,198 | 74.8% | 67.8% |
| Carpooled: | 1,102 | 4.8% | 8.7% |
| Public transportation: | 131 | 0.6% | 4.2% |
| Walked: | 181 | 0.8% | 2.5% |
| Other means: | 368 | 1.6% | 0.9% |
| Worked from home: | 3,869 | 16.8% | 13.8% |
| Mean travel time to work: | 27.7 min | -- | 26.7 min |
Industry (80538 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 379 | 1.6% | 1.6% |
| Construction: | 1,872 | 8.1% | 6.9% |
| Manufacturing: | 1,903 | 8.3% | 10.0% |
| Wholesale trade: | 426 | 1.9% | 2.4% |
| Retail trade: | 2,613 | 11.4% | 11.0% |
| Transportation, warehousing, utilities: | 954 | 4.1% | 5.8% |
| Information: | 537 | 2.3% | 1.9% |
| Finance, insurance, real estate: | 1,449 | 6.3% | 6.7% |
| Professional, scientific, management: | 3,465 | 15.1% | 12.1% |
| Education, health care, social services: | 5,025 | 21.8% | 23.3% |
| Arts, entertainment, food services: | 2,219 | 9.6% | 9.0% |
| Other services: | 1,202 | 5.2% | 4.7% |
| Public administration: | 954 | 4.1% | 4.7% |
Poverty Status (80538 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 9.2% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (80538 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 45,916 | 93.8% | 91.3% |
| Private health insurance: | 34,253 | 70.0% | 67.6% |
| Public health coverage: | 19,589 | 40.0% | 35.9% |
| Without health insurance: | 2,874 | 5.9% | 8.7% |
Benefits & Assistance (80538 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 14,760 | 72.1% | 77.4% |
| Social Security income: | 7,848 | 38.3% | 31.0% |
| Retirement income: | 5,743 | 28.1% | 21.8% |
| Supplemental Security Income (SSI): | 1,178 | 5.8% | 4.5% |
| Cash public assistance income: | 503 | 2.5% | 1.8% |
| SNAP (food stamps) benefits: | 1,330 | 6.5% | 11.4% |
Housing Types (80538 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 14,298 | 68.2% | 61.4% |
| 1-unit, attached: | 1,979 | 9.4% | 6.1% |
| 2 units: | 262 | 1.2% | 3.4% |
| 3 or 4 units: | 425 | 2.0% | 4.3% |
| 5 to 9 units: | 1,099 | 5.2% | 4.6% |
| 10 to 19 units: | 1,043 | 5.0% | 4.3% |
| 20 or more units: | 1,214 | 5.8% | 9.9% |
| Mobile home: | 634 | 3.0% | 5.8% |
| Boat, RV, van, etc.: | 10 | 0.0% | 0.1% |
Year Structure Built (80538 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 150 | 0.7% | 0.6% |
| Built 2010 to 2019: | 3,343 | 15.9% | 8.2% |
| Built 2000 to 2009: | 3,973 | 19.0% | 13.5% |
| Built 1990 to 1999: | 3,646 | 17.4% | 13.2% |
| Built 1980 to 1989: | 2,705 | 12.9% | 13.2% |
| Built 1970 to 1979: | 4,963 | 23.7% | 14.6% |
| Built 1960 to 1969: | 1,230 | 5.9% | 10.2% |
| Built 1950 to 1959: | 522 | 2.5% | 9.9% |
| Built 1940 to 1949: | 314 | 1.5% | 4.6% |
| Built 1939 or earlier: | 118 | 0.6% | 12.0% |
Bedrooms (80538 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 224 | 1.1% | 2.4% |
| 1 bedroom: | 1,407 | 6.7% | 3.0% |
| 2 bedrooms: | 4,532 | 21.6% | 9.1% |
| 3 bedrooms: | 8,373 | 39.9% | 15.9% |
| 4 bedrooms: | 4,822 | 23.0% | 18.8% |
| 5 or more bedrooms: | 1,606 | 7.7% | 17.6% |
Heating Fuel (80538 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 15,752 | 76.9% | 47.1% |
| Bottled, tank, or LP gas: | 523 | 2.6% | 4.9% |
| Electricity: | 3,924 | 19.2% | 40.2% |
| Fuel oil, kerosene, etc.: | 0 | 0.0% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 217 | 1.1% | 1.5% |
| Solar energy: | 0 | 0.0% | 0.1% |
| Other fuel: | 35 | 0.2% | 0.5% |
| No fuel used: | 21 | 0.1% | 0.2% |
Vehicles Available (80538 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 860 | 4.2% | 8.3% |
| 1 vehicle available: | 5,891 | 28.8% | 32.6% |
| 2 vehicles available: | 8,076 | 39.4% | 37.0% |
| 3 or more vehicles available: | 5,645 | 27.6% | 22.1% |
Home Value Distribution (80538 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 495 | 3.4% | 5.7% |
| $50,000 to $99,999: | 255 | 1.8% | 7.8% |
| $100,000 to $149,999: | 21 | 0.1% | 9.2% |
| $150,000 to $199,999: | 209 | 1.5% | 10.8% |
| $200,000 to $299,999: | 798 | 5.5% | 19.9% |
| $300,000 to $499,999: | 7,704 | 53.5% | 24.1% |
| $500,000 to $999,999: | 4,352 | 30.2% | 17.0% |
| $1,000,000 or more: | 561 | 3.9% | 5.6% |
Housing Costs (80538 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,908 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $561 / mo. | $584 / mo. |
| Median gross rent: | $1,637 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.42 | 2.53 |
| Average household size (renter-occupied): | 2.29 | 2.38 |
Households (80538 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 20,472 | -- | -- |
| Married-couple households: | 11,644 | 56.9% | 47.5% |
| Cohabiting couple households: | 3,770 | 18.4% | 7.0% |
| Male householder, no spouse: | 2,425 | 11.8% | 5.4% |
| Female householder, no spouse: | 4,938 | 24.1% | 12.7% |
| Householder living alone: | 5,060 | 24.7% | 28.6% |
| 65 years and over living alone: | 8,072 | 39.4% | 11.8% |
| Average household size: | 2.38 | -- | 2.53 |
| Average family size: | 2.88 | -- | -- |
Marital Status (80538 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 19,449 | -- | -- |
| Never married: | 5,546 | 28.5% | 37.0% |
| Now married: | 11,938 | 61.4% | 49.5% |
| Separated: | 521 | 2.7% | 1.5% |
| Widowed: | 1,413 | 7.3% | 2.6% |
| Divorced: | 5,068 | 26.1% | 9.3% |
School Enrollment (80538 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 10,841 | -- | -- |
| Nursery school, preschool: | 815 | 7.5% | 5.8% |
| Kindergarten: | 407 | 3.8% | 5.0% |
| Elementary school (grades 1-8): | 4,632 | 42.7% | 40.5% |
| High school (grades 9-12): | 2,985 | 27.5% | 21.4% |
| College or graduate school: | 2,002 | 18.5% | 27.3% |
Veterans & Disability (80538 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 38,794 | -- | -- |
| Veterans: | 3,082 | 7.9% | 6.3% |
| Civilian noninstitutionalized population: | 48,790 | -- | -- |
| With a disability: | 5,975 | 12.2% | 13.4% |
| Under 18 with disability: | 196 | 3.3% | 5.8% |
| 18 to 64 with disability: | 2,400 | 40.2% | 10.4% |
| 65 and over with disability: | 3,379 | 56.6% | 33.4% |
Mobility (Residence 1 Year Ago) (80538 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 42,379 | 86.6% | 86.9% |
| Different house: | 6,125 | 12.5% | 13.1% |
| Same county: | 3,153 | 51.5% | 7.0% |
| Different county: | 2,878 | 47.0% | 3.2% |
| Different state: | 1,256 | 20.5% | 2.5% |
| Abroad: | 94 | 1.5% | 0.4% |
Place of Birth (80538 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 46,526 | 95.1% | 86.2% |
| Foreign born: | 531 | 1.1% | 13.9% |
| Naturalized citizen: | 2,403 | 452.5% | 52.7% |
| Not a citizen: | 2,403 | 452.5% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 2,403 | 452.5% | 10.5% |
| Asia: | 468 | 88.1% | 31.3% |
| Africa: | 202 | 38.0% | 5.5% |
| Oceania: | 43 | 8.1% | 0.5% |
| Latin America: | 1,150 | 216.6% | 50.0% |
| Northern America: | 136 | 25.6% | 2.2% |
Language Spoken at Home (80538 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 46,891 | -- | -- |
| English only: | 43,096 | 91.9% | 78.3% |
| Language other than English: | 3,795 | 8.1% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 2,872 | 6.1% | 13.3% |
| Other Indo-European languages: | 524 | 1.1% | 3.5% |
| Asian/Pacific Island languages: | 275 | 0.6% | 3.5% |
| Other languages: | 124 | 0.3% | 1.0% |
Computers & Internet (80538 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 20,472 | 100.0% | 93.1% |
| Households with broadband internet: | 19,880 | 97.1% | 89.4% |
Loveland, CO80538