How much is a home worth in ZIP code 80538?

The typical home in 80538 is worth $506,150, based on the Zillow Home Value Index.

Are home values rising in 80538?

Home values in 80538 are down 1.8% over the past year, and up 2.9% a year over five years.

What is the typical rent in 80538?

A typical home in 80538 rents for about $2,069 a month, a gross rental yield of 4.9%.

What is the property tax rate in 80538?

The effective property tax rate in 80538 is 0.5% — roughly $2,667 a year on a typical home.

ZIP code 80538 has a population of 50,110 and a median household income of $86,671.

HousingHandbookReference data

…

U.S. ZIP Code · CO80538

Larimer County · Fort Collins-Loveland, CO

Typical home value

$506,150^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: -1.8%
5-year / yr: +2.9%
10-year / yr: +4.9%

Relative price

vs U.S.: +78.2%
vs metro: -10.2%
vs state: ≈ state median

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 80538 is worth $506,150 — 10.2% below the Fort Collins-Loveland, CO median. Over the past year, values have fallen 1.8%. Homes here rent for a typical $2,069 a month — a 4.9% gross rental yield. The effective property tax rate is 0.5%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $2,069^[2]
Gross yield: 4.9%^[2]
Cap rate: 2.9%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 0.5%^[3]
Typical annual tax: $2,667^[3]

#Climate risk

FEMA National Risk Index ratings for Larimer County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively Moderate^[4]
Riverine flood: Relatively Moderate
Coastal flood: Not Applicable
Wildfire: Relatively High
Drought: Relatively Low
Heat wave: Relatively Low
Hurricane: Not Applicable
Tornado: Relatively High
Earthquake: Relatively Low
Winter weather: Very High

#Who lives here

Population: 50,110^[3]
Median household income: $86,671^[3]

#Migration

Household moves in and out of Larimer County over a year, from IRS tax-return data.

Net migration: +671^[5]
Moved in: 14,746
Moved out: 14,075

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 13
Elementary: 9
Middle: 1
High: 2

Loveland High School
High · Grades 9–12 · Thompson School District R-2J
1,479 students
New Vision Charter School
Elementary · Grades K–8 · Thompson School District R-2J
1,006 students
Lucile Erwin Middle School
Middle · Grades 6–8 · Thompson School District R-2J
692 students
Peakview Academy at Conrad Ball
Elementary · Grades PK–8 · Thompson School District R-2J
624 students
High Plains School
Elementary · Grades PK–8 · Thompson School District R-2J
491 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield4.9%

Net yield (after ~40% expenses)2.9%

Annual rent$24,825

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$2,559

Loan principal$404,920

Down payment$101,230

Total interest paid$516,453

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.55

Monthly cost to own$3,205

Monthly rent$2,069

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 13th percentile^[1]
Rental yield: 67th percentile^[2]
Property tax: 60th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 80538?: The typical home in 80538 is worth $506,150, based on the Zillow Home Value Index.
Are home values rising in 80538?: Home values in 80538 are down 1.8% over the past year, and up 2.9% a year over five years.
What is the typical rent in 80538?: A typical home in 80538 rents for about $2,069 a month, a gross rental yield of 4.9%.
What is the property tax rate in 80538?: The effective property tax rate in 80538 is 0.5% — roughly $2,667 a year on a typical home.
Who lives in 80538?: ZIP code 80538 has a population of 50,110 and a median household income of $86,671.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

80537 vs 80538 →
Loveland, CO
Typical home
$501,477
Gross yield
4.1%
80515 vs 80538 →
CO
Typical home
$484,860
Gross yield
—
80521
Fort Collins, CO
Typical home
$533,173
Gross yield
4.8%
80549
Wellington, CO
Typical home
$471,626
Gross yield
6.2%
80526
Fort Collins, CO
Typical home
$543,926
Gross yield
4.5%
80535
Laporte CDP, CO
Typical home
$560,000
Gross yield
—

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#Jump to section

U.S. ZIP Code · CO80538

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