Cost of Living
per year
per month
How Loveland's prices compare to the US city average across major spending categories.
How far does your salary go in Loveland?
Your $100,000 in Loveland has the same purchasing power as $93,292 in the average US city. You'd need $6,708 more here to maintain that standard of living.
Demographics and workforce data from the US Census ACS 5-Year.
bachelor's or higher
Climate, safety, and walkability indicators.
See a side-by-side breakdown of cost of living, housing, and salaries.
Popular comparisons
Sorted by affordability — most affordable first.
Within 10 points of Loveland's cost index of 107, sorted by closest match.
If you're weighing a move to Loveland, the short answer is that the city has a few genuine arguments going for it — most obviously paychecks come in above the us average and the air is clean, not just clean-ish, plus 1 more things worth knowing. Here's the longer version.
Median household income in Loveland is $81,898, a step above the national median of about $75k. The local job market leans toward industries that pay better than average, and that shows up in the take-home for most working households here.
Loveland's air quality index averages about 36 — comfortably in the EPA's "good" range. No daily ritual of checking the AQI before going for a run, no smoky-day plans, no surprise asthma flare-ups for the kids. The kind of background condition you notice mostly by its absence.
40% of adults 25 and over in Loveland hold a bachelor's degree or higher — meaningfully above the US average of around 36%. That correlates with the things you'd expect: stronger schools, more white-collar employers, more bookstores than the population alone would predict.
Reasons are pulled from Loveland's actual data — Census ACS, BLS, BEA, NOAA, EPA AQS, FBI, and Walk Score. We don't list positives that aren't supported by the numbers, which is why different cities show different sections.
Snow is just part of the winter in Loveland. Average temperatures around 19°F mean the ground stays covered from December well into March, and a snowblower is less optional than aspirational.
Cold enough to plan around. Winter in Loveland averages roughly 19°F, with stretches where daytime highs don't break freezing for weeks. Decent insulation, a real coat, and a car that starts in cold weather are non-negotiable.
Hot, but not desert-hot. Summer in Loveland runs about 87°F on average, with afternoons in the 90s and humidity that varies by region. AC is standard rather than optional.
Approximately USDA Hardiness Zone 7. That's the band gardeners use to pick plants — anything rated for Zone 7 or colder should survive a typical winter in Loveland. (The estimate is derived from our winter-temperature data; the official USDA map uses station-level annual minimums and may differ by half a zone.)
Loveland is at about 5,000 feet (1,524 m) — high enough that newcomers from sea level sometimes feel a touch winded the first few days, dehydrate faster than expected, and notice that water boils a little quicker. Acclimation is usually a week or so.
Average for an American city. Loveland's reported crime rate of about 3,032 per 100,000 residents sits roughly in line with the US baseline of ~3,500. Like anywhere else, the citywide number masks real differences between neighborhoods — worth looking at specific areas before deciding.
Roughly average. Loveland's cost-of-living index is 107, putting it in the band where rent, groceries, and utilities track the national norm. Not a bargain, not a premium.
Mostly car-dependent. Loveland's Walk Score of 39/100 means a handful of errands work on foot — depending on the neighborhood — but most residents still need a car for the rest.
Roughly $75,033 a year would match the lifestyle of someone earning $70,000 in an average US city. That's a starting point, not a target — negotiate higher when you can. Median rent in Loveland runs about $1,595/mo — keeping housing under 30% of gross income points to a similar floor on what you'd want to earn.