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Loveland, Colorado Retirement Guide
established retirement community
38
Retirement Score
Loveland, Colorado at a Glance
- Median Home Price
- $469,900
- State Income Tax
- State income tax; Social Security partially exempt for seniors; limited pension deduction.
- Avg January Low
- 12.5°F
- Cost of Living Index
- 102.3 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 38 / 100
Retirement Data
Affordability
Cost of Living Index
102.3 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$469,900High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,643High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
30 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security partially exempt for seniors; limited pension deduction.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
30.8 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
43.1 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
30.8 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
87.8°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
12.5°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
18.5"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
322 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
92.7 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
12.9 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
1.7 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
76,500High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
40.4High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
21.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$81,898High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
62.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
8.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
39.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
7.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
89.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
0.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
13.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
0.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Loveland using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,018
Stress-case monthly carrying cost
$1,143
Median home price used: $469,900
Median rent reference: $1,643 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.