New Listing
29
$379,900
132 E 22nd St
Loveland, CO 80538
2 bd1 ba1,012 sqft$375/ft²
House6,534 sqft lot
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Loveland, CO Housing Market
Balanced market-2.1% YoY
Zillow, August 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The typical home in Loveland, CO is worth $496,109, fell 2.1% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $505,000, +1.2% year over year (through May 2026). With 3.1 months of supply and homes going under contract in about 48 days, Loveland is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $496,109 home is about $2,649/mo in principal and interest.
Key numbers for Loveland, CO
Typical home value
$496,109
-2.1% in 12 months
Zillow, August 2026
Typical asking rent
$1,925/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$505,000
+1.2% year over year
Redfin, through May 2026
Days on market
48
Average pace
Redfin, through May 2026
Active listings
411
3.1 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$82,592
Home costs 6.0x income
U.S. Census ACS, 2023
Sale-to-list ratio
99.6%
Selling below asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Loveland a buyer's or seller's market?
Balanced market3.1 months of supply48 days on market99.6% of asking
Loveland, CO is a balanced market, based on 3.1 months of supply and homes selling in about 48 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Loveland housing market data show?
Every row below is Redfin's final published month for Loveland, CO. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $505,000 |
| Median list price | $520,000 |
| Year-over-year price change | +1.2% |
| Median price per sq ft | $260/sq ft |
| Median days on market | 48 days |
| Active inventory | 411 listings |
| Months of supply | 3.1 months |
| Sale-to-list price ratio | 99.6% |
| Homes sold (that month) | 131 |
| New listings (that month) | 175 |
| Listings with a price cut | 28.0% |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Loveland is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Loveland is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Loveland home prices moved?
Over the last three years the median sale price in Loveland, CO held roughly flat 0.3%, from $503,600 to $505,000. The live Zillow value series has fell 2.1% in the last 12 months, which is the more current read now that Redfin's series has stopped. 28.0% of Loveland listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 3.1 months while the sale-to-list ratio slips below its current 99.6%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Loveland?
Priced off the typical home value of $496,109 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $99,222 | $396,887 | $2,649/mo |
| 5% | $24,805 | $471,303 | $3,145/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $2,649, that implies roughly $113,507 a year before you add taxes and insurance. The median household in Loveland earns $82,592, about $30,915 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 6.0x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Loveland in the next 12 months?
Tell us your timeline. We send the Loveland market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Loveland?
Typical asking rent in Loveland, CO is $1,925/mo, against a typical home value of $496,109. That is a price-to-rent ratio of 21.5x, which means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Compared head to head, 20% down puts principal and interest at $2,649 a month — $724 more than renting before taxes and insurance, so the ownership case here rests on equity and appreciation rather than monthly cash flow.
Zillow, August 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Loveland?
Active listings in Loveland, CO went from 419 in May 2025 to 411 in May 2026, a -1.9% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 453 | 171 |
| July 2025 | 477 | 146 |
| August 2025 | 456 | 118 |
| September 2025 | 449 | 138 |
| October 2025 | 437 | 117 |
| November 2025 | 397 | 76 |
| December 2025 | 323 | 68 |
| January 2026 | 344 | 121 |
| February 2026 | 387 | 148 |
| March 2026 | 400 | 155 |
| April 2026 | 404 | 162 |
| May 2026 | 411 | 175 |
Redfin, through May 2026
How does Loveland compare to Colorado and the U.S.?
Loveland homes sell for $505,000 — 18% below the Colorado median of $617,000. Against the national median of $410,700, Loveland runs 23% higher. Year-over-year, Loveland moved +1.2% against Colorado's +1.3% — a smaller swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Loveland, CO | $505,000 | +1.2% | 48 days |
| Colorado statewide | $617,000 | +1.3% | 35 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Loveland
What buyers should watch
- Months of supply, currently 3.1. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 28.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $497 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $496,109 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Loveland listing goes under contract in 48 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 99.6% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Loveland added 175 new listings against 131 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved -2.1% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Loveland varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Loveland
There are currently 411 homes listed for sale in Loveland, Colorado. The median listing price is $520K. Featured listings range from $379,900 to $665,000.
New Listing
26
$415,000
1235 Garfield Ave
Loveland, CO 80537
2 bd2 ba1,409 sqft$295/ft²
House6,970 sqft lot
View photos & details
New Listing
31
$425,000
740 N Adams Ave
Loveland, CO 80537
4 bd2 ba1,848 sqft$230/ft²
House4,860 sqft lot
View photos & details
New BuildPrice Drop −$7K
13
$449,695
3075 Gladstone Ave
Loveland, CO 80538
2 bd2 ba1,266 sqft$355/ft²
Townhouse
View photos & details
New Listing
20
$480,000
1720 E 11th St
Loveland, CO 80537
3 bd3 ba2,196 sqft$219/ft²
House4,356 sqft lot
View photos & details
New Listing
34
$485,000
1064 S Edinburgh Dr
Loveland, CO 80537
5 bd3 ba2,344 sqft$207/ft²
House8,712 sqft lot
Rachel Soto Vesta · Rachel Vesta Homes LLC
View photos & details
New Listing
48
$529,900
3007 Benfold St
Loveland, CO 80538
3 bd3 ba2,327 sqft$228/ft²
House6,534 sqft lot
View photos & details
New Listing
17
$535,000
2632 Turquoise St
Loveland, CO 80537
5 bd3 ba2,739 sqft$195/ft²
House5,227 sqft lot
View photos & details
New Listing
40
$560,000
330 Blackstone Cir
Loveland, CO 80537
3 bd3 ba2,355 sqft$238/ft²
Townhouse2,614 sqft lot
View photos & details
New Listing
41
$575,000
701 N Taft Ave
Loveland, CO 80537
3 bd2 ba1,768 sqft$325/ft²
House1.40 acres
View photos & details
New Listing
41
$645,000
2986 Purgatory Creek Dr
Loveland, CO 80538
4 bd3 ba2,916 sqft$221/ft²
House6,970 sqft lot
View photos & details
New Listing
31
$665,000
2250 Security Ct
Loveland, CO 80538
5 bd4 ba3,308 sqft$201/ft²
House10,890 sqft lot
View photos & details
Looking to buy in Loveland?
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Active listings
411
Homes on market
Median list price
$520K
Avg. days on market
48
Days until sale
New this week
175
Newly listed
Price drops:28.0%of listings
Sale-to-list:99.6%
How much do homes cost in Loveland by property type?
How the Loveland, CO market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $515,000 | $260/sq ft | 110 | 45 days |
| Condo / co-op | $330,000 | $293/sq ft | 5 | 65 days |
| Townhouse | $409,745 | $267/sq ft | 11 | 75 days |
Who lives in Loveland?
American Community Survey estimates for Loveland. U.S. Census ACS, 2023
Population
77,350
Households
34,475
Median income
$82,592/yr
Median age
40.8 years
Owner-occupied
61.8%
Median home value
$453,100
Median gross rent
$1,683/mo
Mean commute
25.6 min
61.8% of occupied homes in Loveland are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $453,100 against Zillow's $496,109 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $1,683/mo, below Zillow's $1,925/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Loveland?
25 schools tracked · 11,806 students
The largest public schools serving Loveland, CO by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Loveland High School
Grades 9-12 · 1,479 students
Mountain View High School
Grades 9-12 · 1,118 students
Thompson Valley High School
Grades 9-12 · 1,033 students
Loveland Classical School
Grades K-12 · 1,007 students
New Vision Charter School
Grades K-8 · 1,006 students
Lucile Erwin Middle School
Grades 6-8 · 692 students
Peakview Academy at Conrad Ball
Grades PK-8 · 624 students
Bill Reed Middle School
Grades 6-8 · 514 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Loveland, CO?
Ordered by distance from Loveland, not by size. Compare Loveland side by side with any of them.
Which ZIP codes are in Loveland?
These are the ZIP codes we see on active Loveland listings. Redfin did not publish a matching ZIP-level sale row for the same period, so we are not ranking them by price here — each ZIP page shows exactly what we hold for it.
Loveland housing market FAQ
Is Loveland a buyer's or seller's market?
Loveland, CO is currently a balanced market. That read comes from 3.1 months of supply, homes going under contract in about 48 days, and sellers getting 99.6% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Loveland?
The typical home in Loveland, CO is worth $496,109 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $505,000, about $260 per square foot.
Is Loveland cheaper than the rest of Colorado?
Loveland's median sale price of $505,000 is 18% lower than the Colorado statewide median of $617,000, and 23% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Loveland?
Homes in Loveland, CO spent a median of 48 days on market before going under contract, versus 35 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Loveland?
At the current 30-year fixed rate of 7.03%, 20% down on a $496,109 home is about $2,649 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $113,507 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $82,592.
Are home prices rising in Loveland?
The typical home value in Loveland, CO fell 2.1% over the last 12 months, from $506,675 to $496,109 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Loveland?
Loveland ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Loveland?
That depends on your timeline, not on a headline. What the data says today: Loveland, CO is a balanced market with 3.1 months of supply, the 30-year fixed rate is 7.03%, and the price-to-rent ratio of 21.5x means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Properties Incorporated publishes the data; it does not give financial advice.
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