Loveland, Colorado Short-Term Rental Market
Loveland, CO STRs averaged $158/night at 63.3% occupancy in April 2026 across 1,952 active listings, with a rental demand score of 97.2 out of 100.
Quick Answer: Loveland, Colorado is an active short-term rental market. average occupancy is 71%. average monthly revenue is $4,325. average daily rate is $224. the top operator is Mountain Time Vacation Rentals with 208 listings. market score is 72/100 (grade B).
Market data reflects the Fort Collins regional market, which includes Loveland. Regulations, taxes, and permit details below are specific to Loveland.
Market Score Breakdown
Five dimensions Apivex evaluates per market.
Market Overview
Loveland is a city of approximately 80,000 in Larimer County, Colorado, situated 45 miles north of Denver along U.S. Route 34, the primary gateway corridor to Estes Park and Rocky Mountain National Park. The STR market had 1,952 active listings as of April 2026. In April 2026, the market posted an average daily rate of $158 and occupancy of 63.3%, generating average monthly revenue of $2,683 per listing. RevPAR was $100.
Listing composition: 1,715 entire-place units (87.9% of total) and 237 private-room listings. Bedroom distribution: 673 one-bedroom, 539 two-bedroom, 405 three-bedroom, 207 four-bedroom, and 107 five-plus-bedroom units. Platform distribution: 888 listings appear on both Airbnb and VRBO, 957 are Airbnb-only, and 107 are VRBO-only.
Year-over-year from April 2025, occupancy declined 2.9% while ADR rose 3.4%, producing a net revenue decline of 1.4%. Annual average monthly revenue reached $3,166 in 2025, the highest full-year figure on record, after growing from $1,705 in 2017.
Market scores: rental demand 97.2, regulation 75.0, total score 72.1, seasonality 63.9, revenue growth 61.2, investability 58.8 (all out of 100). The rental demand score of 97.2 is the highest of any market in this batch, reflecting Loveland’s dual role as a Front Range urban market and Rocky Mountain National Park gateway corridor.
Seasonal Patterns
| Month | Occupancy | ADR | Revenue |
|---|---|---|---|
| Jan | 49% | $115 | $1,654 |
| Feb | 58% | $118 | $1,738 |
| Mar | 63% | $124 | $2,155 |
| Apr | 62% | $127 | $2,142 |
| May | 66% | $156 | $2,655 |
| Jun | 75% | $171 | $3,350 |
| Jul | 79% | $166 | $3,580 |
| Aug | 73% | $158 | $3,262 |
| Sep | 66% | $150 | $2,741 |
| Oct | 62% | $145 | $2,515 |
| Nov | 54% | $131 | $2,000 |
| Dec | 56% | $134 | $2,062 |
Top Short-Term Rental Operators in Loveland
Ranked by total active listings. Useful for understanding the competitive landscape.
| # | Operator | Listings | Reviews | Rating |
|---|---|---|---|---|
| 1 | Mountain Time Vacation Rentals | 208 | 14,016 | ★ 4.81 |
| 2 | Urbanize | 56 | 4,212 | ★ 4.91 |
| 3 | Rise N Shine Rentals | 50 | 3,207 | ★ 4.90 |
| 4 | Evolve | 44 | 1,838 | ★ 4.78 |
| 5 | Riverside Colorado | 32 | 14 | ★ 4.96 |
What Kind of STR Should I Buy in Loveland?
Revenue and pricing by property type, tier, and bedroom count.
Revenue by Bedroom Count
| 1 bed | 673 |
| 2 bed | 539 |
| 3 bed | 405 |
| 4 bed | 207 |
| 5 bed | 107 |
ADR by Property Tier
| Entire Home | $242 |
| Luxury | $364 |
| Professionally Managed | $327 |
Revenue by Dwelling Type
| Apartment | $4,445 |
| Entire Place | $4,642 |
| House | $4,386 |
Booking Channel Mix
Distribution of bookings across major STR platforms.
| Channel | Share |
|---|---|
| airbnb | 49% |
| vrbo | 5.5% |
| both | 45.5% |
Investment Analysis
Loveland STR listings generated average monthly revenue of $2,683 in April 2026, implying annualized gross revenue of approximately $32,202. The 2025 full-year average of $3,166/month is a better baseline, implying approximately $37,992/year gross. The typical home value is $504,237 and the median sale price is $500,417. At the typical home value, the April-basis gross revenue yield is approximately 6.4%. At the 2025 annual average basis, the indicated gross yield is approximately 7.5%.
Revenue by property type (April 2026): entire-place listings average $2,888/month; house-type properties average $2,807/month; apartment units average $2,507/month. The professionally managed ADR of $202/night is 28% above the all-listings market average of $158. The luxury-tier ADR of $252/night is 59% above the market average.
Long-term revenue shows sustained growth: annual average monthly revenue was $1,705 in 2017 and climbed to $2,773 in 2021, $3,007 in 2024, and $3,166 in 2025. The 2025 figure represents an 86% increase over the 2017 baseline in absolute dollars, driven by a combination of ADR appreciation ($109 to $176/night) and occupancy growth from 57.4% to 63.5%.
The rental demand score of 97.2 out of 100 is the highest across all markets in this batch, a strong signal for operators seeking persistent guest demand. Entry price is moderate: the median sale price of $500,417 and a sale-to-list ratio of 95.3% suggest reasonable negotiating room in acquisition.
Revenue Trend (5 yr)
ADR & Occupancy Trends (5 yr)
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Booking Insights
The average booking lead time in Loveland is 37 days, meaning guests typically book approximately five and a half weeks in advance. Average length of stay is 5.1 nights, one of the longer averages in this batch. The 5.1-night stay reflects the RMNP gateway function: travelers combining Rocky Mountain National Park access with Loveland’s art scene, Estes Park day trips, and Poudre Canyon outdoor activities typically plan multi-day itineraries.
At 5.1 nights per booking, a fully occupied month accommodates approximately 6 reservations. This reduces turnover frequency relative to a 2-3 night-average market, lowering cleaning overhead per occupied night. The 37-day lead time is standard for a moderate-distance drive-market destination and indicates that last-minute discounting should begin around the 25-30 day mark for unfilled shoulder-season dates.
For peak summer months (June through August), demand from RMNP visitors provides sustained booking pressure. Operators who open summer availability 45-60 days out at firm rates typically fill without heavy discounting. The Sculpture in the Park event in August warrants premium minimum-stay requirements and advanced pricing. Winter months (November through February) may require discounting or extended-stay incentives to maintain occupancy above 50%.
Short-Term Rental Regulations
Loveland requires a city short-term rental license, issued by the Planning Division, before operating any STR. The application process typically requires proof of property ownership or authorization, proof of liability insurance, and designation of a local contact or property manager. The license fee amount was not confirmed from publicly available sources and should be verified directly with the Loveland Planning Division.
STRs must be located in a zoning district where the use is permitted. The city’s code separately defines a ‘Bed and Breakfast’ category as a single-family detached home with five or fewer guest rooms rented on a daily or weekly basis, with the operator residing on the premises; this is a distinct category from a standard STR license. No annual night cap, owner-occupancy mandate, or primary-residence requirement was confirmed for standard STR licenses.
On taxes, Loveland imposes a 3% lodging tax on short-term stays (established by 2009 ballot measure to fund tourism marketing). Additionally, Loveland’s 3% city sales tax, Colorado’s 2.9% state sales tax, and applicable Larimer County taxes stack on top of the lodging tax. The combined tax burden on a short-term rental is materially higher than the 3% lodging figure alone; operators should model a combined tax rate in the 9-12% range and confirm exact figures with the city’s Finance Department.
Enforcement is rated moderate. Investors should verify current license fees, renewal terms, zoning eligibility, and life-safety requirements with Loveland’s Planning Division before purchasing.
Market Comparison
Nationally, STR markets average approximately 55% occupancy and $220 in ADR. Loveland’s April 2026 metrics of 63.3% occupancy and $158 ADR outpace the national occupancy benchmark by 8.3 percentage points while trailing on ADR. The rental demand score of 97.2 out of 100 places Loveland at the top of this metric nationally, reflecting persistent demand from RMNP gateway travelers, Front Range residents seeking short-drive getaways, and art and festival tourists.
The top five property managers are: Mountain Time Vacation Rentals (208 listings, 14,016 reviews, 4.81 rating), Urbanize (56 listings, 4,212 reviews, 4.91 rating), Rise N Shine Rentals (50 listings, 3,207 reviews, 4.90 rating), Evolve (44 listings, 1,838 reviews, 4.78 rating), and Riverside Colorado (32 listings, 14 reviews, 4.96 rating). The top 5 collectively manage 390 listings, approximately 20.0% of the market’s 1,952 total listings. Mountain Time Vacation Rentals is the clear dominant operator with 208 listings and 14,016 reviews. All top managers carry high ratings above 4.78.
For-sale inventory is 428 properties with median days to pending of 26 and a sale-to-list ratio of 95.3%. Homes are selling slightly below asking on average, providing some negotiation room compared to markets where bidding wars push prices above list. The moderate market size (1,952 listings) and high demand score suggest a market where quality operators can command sustained occupancy without competing against an oversupplied inventory.
Frequently Asked Questions About Loveland, Colorado
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