Taxes in Loveland
Loveland's tax picture is genuinely simpler than Longmont's -- a lower combined sales tax rate, no RTD or Cultural District layer, and a cited effective property tax rate modestly below both Longmont's and Fort Collins's -- alongside Colorado's own flat, TABOR-variable state income tax.
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Learn moreA lower, simpler combined sales tax rate than Longmont
Loveland's sales tax stacks three pieces rather than five: City of Loveland (3.0%), Larimer County (1.05%), and Colorado state (2.9%), for a core combined rate of 6.95% in the main part of the city -- notably lower than Longmont's 8.865%-9.335% combined range, since Loveland does not layer an RTD or Scientific & Cultural Facilities District rate the way Boulder-County cities do. Some ZIP codes and special taxing districts within city limits carry a combined rate as high as 8.95%.
A cited effective property tax rate modestly below Longmont's and Fort Collins's
Ownwell cites a median effective property tax rate of 0.47% for Loveland's 80537/80538 ZIP codes (a median $2,137 annual bill on a $453,100 median home value) -- modestly below Longmont's cited ~0.52%-0.54% and Fort Collins's cited ~0.57%, though still, like the rest of this dataset's Colorado coverage, above the state median and well below the national one.
Colorado's flat, TABOR-variable state income tax applies as elsewhere in the state
Colorado's flat state income tax rate is 4.40% for 2026, subject to a TABOR-driven refund mechanism that can temporarily reduce it in state revenue-surplus years (it reduced the rate to 4.25% for tax year 2024 specifically) -- see the Colorado state record for the full mechanism. This applies in Loveland exactly as it would anywhere else in the state.
Key takeaways
- Loveland's core combined sales tax rate is 6.95% (city 3.0% + county 1.05% + state 2.9%), rising to as high as 8.95% in some special taxing districts.
- Loveland's cited median effective property tax rate is 0.47% -- modestly below Longmont's (~0.52%-0.54%) and Fort Collins's (~0.57%) in this dataset.
- Colorado's flat state income tax is 4.40% for 2026, subject to a TABOR mechanism that can temporarily reduce it in state revenue-surplus years.
- Loveland's property tax rate runs above Colorado's own state median but well below the national median -- not a below-state-average outlier.
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