80538 ZIP Code — Loveland, CO
Larimer County, Colorado
ZIP code 80538 is located in Loveland, Colorado, within Larimer County. It covers approximately 102.17 square miles and serves a population of 48,929 residents. This is a standard ZIP code in the Mountain (MT) timezone, served by area code 970.
About ZIP code 80538
The housing stock consists of a mix of housing types. Most homes were built in the 1970s, giving the area an established character. Median home value is $448,800. Owner-occupancy sits near the national average at 70%.
Median household income is $85,141. 38% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 28 minutes is near the national average.
Educational attainment is near the national average, with 42% of residents holding a bachelor's degree or higher.
48,929
population
102.17
sq mi land
Standard
ZIP type
Mountain (MT)
timezone
80538 ZIP code map
Cities in ZIP code 80538
Below are the cities the US Postal Service accepts for ZIP code 80538. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Loveland | Preferred |
Nearby ZIP codes
80526 Fort Collins (1.3 mi)
80523 Fort Collins (5.3 mi)
80525 Fort Collins (5.9 mi)
80525 Fort Collins (5.9 mi)
80553 Fort Collins (6.2 mi)
80521 Fort Collins (6.5 mi)
80528 Fort Collins (7.1 mi)
80528 Fort Collins (7.1 mi)
80547 Timnath (8.8 mi)
80537 Loveland (9.7 mi)
80550 Windsor (12 mi)
80550 Windsor (12 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 48,929 |
| Population density | 479 / sq mi |
| State FIPS | 08 |
| County FIPS | 069 |
| Geography | |
|---|---|
| Land area | 102.17 sq mi |
| Water area | 4.84 sq mi |
| Latitude | 40.5039 |
| Longitude | -105.1312 |
| Timezone | Mountain (MT) |
| Area code | 970 |
Total population by age
Gender
Race & ethnicity
Economics
updated 05/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 31.5% | 32.9% | 32.5% |
| $50k – $100k | 35.1% | 31.8% | 31.0% |
| $100k – $200k | 27.3% | 27.1% | 26.9% |
| Over $200k | 6.1% | 8.2% | 9.6% |
Demographics & statistics
48,929
Population
479
People per sq mi
42.8
Median age
$85,141
Median household income
$43,223
Per capita income
$448,800
Median home value
$1,637
Median monthly rent
70.3%
Home ownership
9.2%
Poverty rate
3.8%
Unemployment
14,887
Housing units
41.8%
Bachelor's or higher
Age distribution
Male
Female
978
Under 5
1,060
1,037
5–9
1,123
1,956
10–14
2,120
1,381
15–19
1,497
1,232
20–24
1,335
2,665
25–34
2,887
3,110
35–44
3,370
2,830
45–54
3,066
1,086
55–59
1,176
1,709
60–64
1,852
3,284
65–74
3,558
1,408
75–84
1,525
808
85+
876
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 10,135 | 20.7% |
| 18 and over | 38,794 | 79.3% |
| 65 and over | 11,459 | 23.4% |
| Median age | 42.8 years | |
Race & ethnicity
White
83.3%
Two or more races
6.5%
Hispanic or Latino
5.9%
Other race
2.3%
Asian
1%
Black or African American
0.9%
American Indian / Alaska Native
0.1%
| Group | Count | % |
|---|---|---|
| White | 43,314 | 83.3% |
| Two or more races | 3,391 | 6.5% |
| Hispanic or Latino | 3,077 | 5.9% |
| Other race | 1,185 | 2.3% |
| Asian | 521 | 1% |
| Black or African American | 453 | 0.9% |
| American Indian / Alaska Native | 47 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 31.5% | 32.9% | 32.5% |
| $50k – $100k | 35.1% | 31.8% | 31.0% |
| $100k – $200k | 27.3% | 27.1% | 26.9% |
| Over $200k | 6.1% | 8.2% | 9.6% |
Under $10k
4.0%
$10k–$15k
2.5%
$15k–$25k
5.9%
$25k–$35k
6.1%
$35k–$50k
8.8%
$50k–$75k
17.1%
$75k–$100k
15.8%
$100k–$150k
20.8%
$150k–$200k
8.8%
$200k+
10.2%
| Range | % of households |
|---|---|
| Under $10k | 4.0% |
| $10k–$15k | 2.5% |
| $15k–$25k | 5.9% |
| $25k–$35k | 6.1% |
| $35k–$50k | 8.8% |
| $50k–$75k | 17.1% |
| $75k–$100k | 15.8% |
| $100k–$150k | 20.8% |
| $150k–$200k | 8.8% |
| $200k+ | 10.2% |
| Median income | $85,141 |
Housing
Home values
Under $50k
3.4%
$50k–$100k
1.8%
$100k–$150k
0.1%
$150k–$200k
1.5%
$200k–$300k
5.5%
$300k–$500k
53.5%
$500k–$1M
30.2%
$1M+
3.9%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $448,800 |
| Median rent / month | $1,637 |
| Owner occupied | 70.3% |
| Renter occupied | 29.7% |
| Vacant | 2.3% |
| Single-family detached | 68.2% |
| Large apartment buildings | 5.8% |
| Mobile homes | 3.0% |
| Median rooms | 6.3 |
| Avg household size (owned) | 2.42 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.7% |
| 2010–2019 | 15.9% |
| 2000–2009 | 19.0% |
| 1990–1999 | 17.4% |
| 1980–1989 | 12.9% |
| 1970–1979 | 23.7% |
| 1960–1969 | 5.9% |
| 1950–1959 | 2.5% |
| 1940–1949 | 1.5% |
| 1939 or earlier | 0.6% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 1.1% |
| 1 bedroom | 6.7% |
| 2 bedrooms | 21.6% |
| 3 bedrooms | 39.9% |
| 4 bedrooms | 23.0% |
| 5+ bedrooms | 7.7% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 4.2% |
| 1 vehicle | 28.8% |
| 2 vehicles | 39.4% |
| 3 or more | 27.6% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 76.9% |
| Electricity | 19.2% |
| Propane / LP gas | 2.6% |
| Wood | 1.1% |
| No fuel used | 0.1% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 11,644 | 56.9% |
| Cohabiting couple | 1,465 | 7.2% |
| Male householder, no spouse | 2,425 | 11.8% |
| Female householder, no spouse | 4,938 | 24.1% |
| Households with children under 18 | 5,060 | 24.7% |
| Households with seniors (65+) | 8,072 | 39.4% |
| Average household size | 2.38 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 28.5% | 23.9% |
| Married | 61.4% | 54.6% |
| Separated | 0.2% | 0.8% |
| Widowed | 2.7% | 8.5% |
| Divorced | 7.3% | 12.2% |
Education
Less than 9th grade
1.7%
Some HS, no diploma
2.3%
HS graduate
22.8%
Some college, no degree
22.7%
Associate's degree
8.6%
Bachelor's degree
25.8%
Graduate / professional
16.0%
| Metric | % |
|---|---|
| HS diploma or higher | 95.9% |
| Bachelor's or higher | 41.8% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 815 | 7.5% |
| Kindergarten | 407 | 3.8% |
| Elementary school | 4,632 | 42.7% |
| High school | 2,985 | 27.5% |
| College / grad school | 2,002 | 18.5% |
Employment
Industry of employment
Education & healthcare
21.8%
Professional & management
15.1%
Retail trade
11.4%
Arts, food & hospitality
9.6%
Manufacturing
8.3%
Construction
8.1%
Finance & real estate
6.3%
Other services
5.2%
Transportation & utilities
4.1%
Public administration
4.1%
Information
2.3%
Wholesale trade
1.9%
Agriculture & mining
1.6%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 44.8% |
| Service | 16.0% |
| Sales & office | 20.6% |
| Natural resources & construction | 8.8% |
| Production & transportation | 9.7% |
Employment type
| Type | % |
|---|---|
| Private sector | 79.3% |
| Government | 12.7% |
| Self-employed | 7.8% |
| Unpaid family workers | 0.2% |
Commute
| Method | % |
|---|---|
| Drive alone | 75.3% |
| Carpool | 4.8% |
| Public transit | 0.6% |
| Walk | 0.8% |
| Work from home | 16.9% |
| Other means | 1.6% |
| Avg commute (minutes) | 27.7 |
Poverty
All people
9.2%
Under 18 years
12.8%
18 and over
8.2%
Married-couple families
3.7%
Female-led households
17.5%
Income support
| Source | % of households |
|---|---|
| Social Security | 38.3% |
| Retirement income | 28.1% |
| Supplemental Security | 5.8% |
| Cash public assistance | 2.5% |
| Food stamps / SNAP | 6.5% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 23.4% |
| High blood pressure | 25.5% |
| High cholesterol | 29.8% |
| Diabetes | 7.7% |
| Heart disease | 5.5% |
| Stroke | 2.6% |
| Asthma | 9.7% |
| Arthritis | 23.5% |
| Kidney disease | 2.6% |
| Pulmonary disease | 5.6% |
| Cancer | 7.1% |
| Behavior / access | % |
|---|---|
| Smoking | 13.5% |
| Binge drinking | 18.9% |
| No physical activity | 14.2% |
| Less than 7 hrs sleep | 25.7% |
| Depression | 21.4% |
| Fair or poor health | 10.0% |
| Poor mental health | 14.1% |
| Poor physical health | 8.7% |
| No health insurance | 11.3% |
| Visited doctor (checkup) | 65.7% |
| Visited dentist | 67.0% |
| Cholesterol screening | 90.8% |
| Teeth loss | 9.4% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 3,082 | 7.9% |
| Disability | % |
|---|---|
| Any disability | 12.2% |
| Under 18 | 1.9% |
| 18–64 years | 8.8% |
| 65 and over | 29.8% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 70.2% |
| Public insurance | 40.1% |
| No insurance | 5.9% |
| Uninsured under 19 | 2.6% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 46,891 | 95.8% |
| Spanish | 1,489 | 3.2% |
| Other Indo-European | 1,110 | 2.4% |
| Asian & Pacific Islander | 250 | 0.5% |
| Other languages | 114 | 0.2% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 46,526 | 95.1% |
| Born in same state | 45,995 | 94.0% |
| Born in different state | 20,313 | 41.5% |
| Foreign born | 531 | 1.1% |
| Naturalized citizen | 2,403 | 4.9% |
| Not a US citizen | 1,295 | 53.9% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| French | 7,669 | 15.7% |
| Italian | 6,462 | 13.2% |
| Arab | 2,182 | 4.5% |
| Polish | 1,519 | 3.1% |
| English | 866 | 1.8% |
| Ancestry | Count | % |
|---|---|---|
| Dutch | 614 | 1.3% |
| Irish | 199 | 0.4% |
| German | 79 | 0.2% |
| Norwegian | 68 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 41.8% |
| Internet access | 97.1% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 80538
What city is ZIP code 80538 in?
ZIP code 80538 is primarily assigned to Loveland, Colorado.
What county is ZIP code 80538 in?
ZIP code 80538 falls within Larimer County, Colorado.
Does ZIP code 80538 have a large retiree population?
38% of households in ZIP code 80538 receive Social Security income, suggesting a significant retiree or disability population.
What is the typical home value in ZIP code 80538?
The median home value in ZIP code 80538 is $448,800.
What is the population of ZIP code 80538?
ZIP code 80538 has an estimated population of 48,929 residents, with a density of 479 people per square mile.
What is the median household income in ZIP code 80538?
The median household income in ZIP code 80538 is $85,141, above the national median of ~$75,000.
What timezone is ZIP code 80538 in?
ZIP code 80538 observes the MST timezone.