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Loveland · FY2021 municipal finance benchmarks

Larimer County · Northern Front Range · home rule municipality · Pop. 81,387 (2025 estimate); FY2021 per-resident figures use 76,993 · Census finance data FY2016–FY2023

You’re viewing FY2021. See the latest view (FY2023). Latest Census Bureau finance data for Loveland: FY2023. Retrieved Oct 2026. Newer years are added when the Census Bureau publishes them. Why the lag?

City website (opens in a new tab)Financial reports (opens in a new tab)

Compare

FY2021 in brief

Loveland collected $4,635 per resident (including city-run utilities), 87% above the median of the 227 Colorado municipalities reporting that year. Tax revenue per resident sits 20% below its peers, but 32% above the state median. Debt per resident runs 29% above peers.

Generated from the figures below. Every number links to its Census source.

Compared with

Nearest on population, household income and region

FY2021 headline figures

Revenue per resident (definition)

$4,635
81% above peers
Includes city-owned utilities
Peer median
$2,554
CO median · 227 with a published figure
$2,476
Position
Higher than 83% of the 227 reporting
5-year changenominal dollars
+11.8%/yr
How Colorado compares on revenue per resident

Expenditures per resident (definition)

$5,772
2.3× peers
Includes city-owned utilities
Peer median
$2,541
CO median · 220 with a published figure
$2,208
Position
Higher than 90% of the 220 reporting
5-year changenominal dollars
+18.7%/yr

Tax revenue per resident (definition)

$1,418
20% below peers
Peer median
$1,782
CO median · 201 with a published figure
$1,072
Position
Higher than 66% of the 201 reporting
5-year changenominal dollars
+5.7%/yr

Debt per resident (definition)

$2,577
29% above peers
Peer median
$2,000
CO median · 199 with a published figure
$1,411
Position
Higher than 73% of the 199 reporting
5-year changenominal dollars
+141.3%/yr
How Colorado compares on debt per resident

How this number was calculated

Revenue per resident · $4,635
Reported by the city to the Census Bureau

  1. 1Metric

    $4,635 Total revenue divided by population

    = Total revenue ÷ population

    Full definition: Revenue per resident

  2. 2Inputs

    Total revenue $356.9M ÷ population 76,993 (2021 estimate)

  3. 3Census line items

    • A01 Airport charges
    • A03 Commercial activities (other) charges
    • A44 Streets & highways charges
    • A61 Parks & recreation charges
    • A80 Sewer charges
    • A81 Solid waste charges
    • A89 General government (other) charges
    • A91 Water utility charges
    • A92 Electric utility charges
    • A94 Transit charges
    • B89 Federal aid
    • C89 State aid
    • D89 Local government aid
    • T01 Property tax
    • T09 General sales tax
    • T10 Selective sales taxes (lodging, utilities, etc.)
    • T19 Selective sales taxes (lodging, utilities, etc.)
    • T20 Licenses & permits
    • T21 Licenses & permits
    • T28 Licenses & permits
    • T29 Licenses & permits
    • U01 Special assessments
    • U11 Sale of property
    • U20 Interest earnings
    • U30 Fines & forfeits
    • U40 Rents
    • U41 Royalties
    • U50 Private donations
    • U99 Miscellaneous

  4. 4Source file

What the numbers mean

  • Loveland runs city-owned utilities, which add 31.4% of its revenue. Cities that don't run utilities will look lower on revenue and spending per resident for that reason alone. What counts as utility revenue

Where the money comes from and where it goes

Per resident, FY2021. Bars show Loveland; the gold tick is the peer median. How categories work

The biggest difference from peers is Utilities & environment: $2,510 per resident, 2.6× the peer median. On the revenue side, utility & transit charges is 4.2× peers.

Money in

Revenue

$4,636
per resident82% above peers
Money in: Loveland revenue per resident by category, FY2021, against the peer median. Open a category for its lines and Census item codes.
CategoryPer residentvs peers
$1,4534.2×peers $343
$8628% belowpeers $934
$8415.6×peers $149
$55226% abovepeers $436
$40142% abovepeers $282
$3722.7×peers $140
$1552.6×peers $60
Peer median of 5 peers · Colorado median of 227 reporting

Money out

Spending

$5,772
per resident2.3× peers
Money out: Loveland spending per resident by category, FY2021, against the peer median. Open a category for its lines and Census item codes.
CategoryPer residentvs peers
$2,5102.6×peers $963
$1,1422.4×peers $486
$70360% abovepeers $440
$57171% abovepeers $334
$383No peer comparisonpeers $0
$27912% belowpeers $315
$1762.0×peers $88
$9No peer comparisonpeers $0
Peer median of 5 peers · Colorado median of 220 reporting

Loveland and its peers

The five Colorado municipalities nearest on population, median household income and region. Budget size isn’t a matching factor, so peers aren’t chosen on the figures being compared. Per resident, FY2021. How peers are chosen

Open in Compare
Loveland compared with its peer municipalities, FY2021, per resident
MunicipalityRevenueExpendituresTax revenueSales taxDebt
LovelandUtilities: City-owned utilities (water, electric, gas, transit) brought in 31.4% of total revenue in FY2021. Revenue and spending per resident include them, so cities that run their own utilities read higher than cities that don't.$4,635$5,772$1,418$862$2,577
BroomfieldUtilities: City-owned utilities (water, electric, gas, transit) brought in 6.5% of total revenue in FY2021. Revenue and spending per resident include them, so cities that run their own utilities read higher than cities that don't.$4,149$5,477$2,231$1,130$5,201
GreeleyUtilities: City-owned utilities (water, electric, gas, transit) brought in 18.3% of total revenue in FY2021. Revenue and spending per resident include them, so cities that run their own utilities read higher than cities that don't.$2,500$2,536$1,252$932$1,370
Commerce CityRegional hub: Sales tax per resident is 1.8× the Colorado median.$2,433$1,998$1,913$1,545$4,203
BoulderUtilities: City-owned utilities (water, electric, gas, transit) brought in 11.3% of total revenue in FY2021. Revenue and spending per resident include them, so cities that run their own utilities read higher than cities that don't.$3,039$2,541$1,782$934$2,000
Castle RockUtilities: City-owned utilities (water, electric, gas, transit) brought in 23.1% of total revenue in FY2021. Revenue and spending per resident include them, so cities that run their own utilities read higher than cities that don't.$2,554$2,939$1,015$873$1,124
Peer median$2,554$2,541$1,782$934$2,000

Utilities marks a municipality whose revenue and spending include city-owned utilities (water, electric, gas, transit), which raises its per-resident totals.

Regional hub marks a municipality whose sales tax per resident is at least 1.5× the Colorado median: a shopping or visitor hub where people who live elsewhere pay much of the sales tax.

Trends

Every available fiscal year. Lines break where a year is missing or withheld; nothing is interpolated.

  • This city
  • Peer median
  • Withheld (shown on the axis, no value)
  • Colorado median (Census of Governments years only)
Revenue per resident
FY2016 $2,653 to FY2023 $5,227.$0$2.6K$5.2K’16’17’18’19’20’21’22’23Peer median FY2016: $2,701Peer median FY2017: $2,727Peer median FY2018: $2,963Peer median FY2019: $2,991Peer median FY2020: $2,545Peer median FY2021: $2,554Peer median FY2022: $3,830Peer median FY2023: $3,221Colorado median FY2016: $1,746 (all 224 municipalities reporting)Colorado median FY2021: $2,476 (all 227 municipalities reporting)FY2016: $2,653FY2017: $2,694FY2018: $3,643FY2019: $3,697FY2020: $4,107FY2021: $4,635FY2022: $5,146FY2023: $5,227

Fiscal year · nominal dollars, not adjusted for inflation

Peer group changed in FY2020, FY2021, FY2022, FY2023. Peers are matched each year, so the peer median can step when the group changes.

Show data table
Revenue per resident by fiscal year
YearThis cityPeer medianColorado median
FY2016$2,653$2,701$1,746 (224 reporting)
FY2017$2,694$2,727$2,694 (35 reporting, sample year)
FY2018$3,643$2,963$2,529 (75 reporting, sample year)
FY2019$3,697$2,991$2,694 (73 reporting, sample year)
FY2020$4,107$2,545$2,739 (76 reporting, sample year)
FY2021$4,635$2,554$2,476 (227 reporting)
FY2022$5,146$3,830$3,031 (72 reporting, sample year)
FY2023$5,227$3,221$3,580 (97 reporting, sample year)
Expenditures per resident
FY2016 $2,454 to FY2023 $5,084.$0$2.9K$5.8K’16’17’18’19’20’21’22’23Peer median FY2016: $2,481Peer median FY2017: $2,487Peer median FY2018: $2,719Peer median FY2019: $2,674Peer median FY2020: $2,574Peer median FY2021: $2,541Peer median FY2022: $2,769Peer median FY2023: $3,334Colorado median FY2016: $1,749 (all 224 municipalities reporting)Colorado median FY2021: $2,208 (all 227 municipalities reporting)FY2016: $2,454FY2017: $2,678FY2018: $3,586FY2019: $3,754FY2020: $4,971FY2021: $5,772FY2022: $5,050. Excludes equipment purchases and payments to other governments, which Census stopped reporting after FY2021.FY2023: $5,084. Excludes equipment purchases and payments to other governments, which Census stopped reporting after FY2021.

Fiscal year · nominal dollars, not adjusted for inflation

Census definition change: Excludes equipment purchases and payments to other governments, which Census stopped reporting after FY2021.

Peer group changed in FY2020, FY2021, FY2022, FY2023, the same year as the census definition change. Peers are matched each year, so the peer median can step when the group changes.

Show data table
Expenditures per resident by fiscal year
YearThis cityPeer medianColorado median
FY2016$2,454$2,481$1,749 (196 reporting)
FY2017$2,678$2,487$2,663 (35 reporting, sample year)
FY2018$3,586$2,719$2,387 (74 reporting, sample year)
FY2019$3,754$2,674$2,759 (71 reporting, sample year)
FY2020$4,971$2,574$2,485 (74 reporting, sample year)
FY2021$5,772$2,541$2,208 (220 reporting)
FY2022$5,050$2,769$3,025 (71 reporting, sample year)
FY2023$5,084$3,334$3,680 (91 reporting, sample year)
Tax revenue per resident
FY2016 $1,073 to FY2023 $1,585.$0$970.2$1.9K’16’17’18’19’20’21’22’23Peer median FY2016: $1,154Peer median FY2017: $1,184Peer median FY2018: $1,328Peer median FY2019: $1,412Peer median FY2020: $1,237Peer median FY2021: $1,782Peer median FY2022: $1,911Peer median FY2023: $1,940Colorado median FY2016: $705 (all 224 municipalities reporting)Colorado median FY2021: $1,072 (all 227 municipalities reporting)FY2016: $1,073FY2017: $1,098FY2018: $1,237FY2019: $1,293FY2020: $1,245FY2021: $1,418FY2022: $1,635FY2023: $1,585

Fiscal year · nominal dollars, not adjusted for inflation

Peer group changed in FY2020, FY2021, FY2022, FY2023. Peers are matched each year, so the peer median can step when the group changes.

Show data table
Tax revenue per resident by fiscal year
YearThis cityPeer medianColorado median
FY2016$1,073$1,154$705 (193 reporting)
FY2017$1,098$1,184$1,098 (34 reporting, sample year)
FY2018$1,237$1,328$1,173 (70 reporting, sample year)
FY2019$1,293$1,412$1,187 (71 reporting, sample year)
FY2020$1,245$1,237$1,238 (72 reporting, sample year)
FY2021$1,418$1,782$1,072 (201 reporting)
FY2022$1,635$1,911$1,631 (71 reporting, sample year)
FY2023$1,585$1,940$1,726 (90 reporting, sample year)
Debt per resident
FY2016 $32 to FY2023 $2,326.$0$1.6K$3.1K’16’17’18’19’20’21’22’23Peer median FY2016: $2,033Peer median FY2017: $1,949Peer median FY2018: $2,120Peer median FY2019: $1,596Peer median FY2020: $1,968Peer median FY2021: $2,000Peer median FY2022: $3,005Peer median FY2023: $3,150Colorado median FY2016: $1,072 (all 224 municipalities reporting)Colorado median FY2021: $1,411 (all 227 municipalities reporting)FY2016: $32FY2017: $25FY2018: $665FY2019: $1,787FY2020: $1,916FY2021: $2,577FY2022: $2,458FY2023: $2,326

Fiscal year · nominal dollars, not adjusted for inflation

Peer group changed in FY2019, FY2020, FY2021, FY2022, FY2023. Peers are matched each year, so the peer median can step when the group changes.

Show data table
Debt per resident by fiscal year
YearThis cityPeer medianColorado median
FY2016$32$2,033$1,072 (220 reporting)
FY2017$25$1,949$1,482 (34 reporting, sample year)
FY2018$665$2,120$1,644 (70 reporting, sample year)
FY2019$1,787$1,596$1,627 (69 reporting, sample year)
FY2020$1,916$1,968$1,798 (71 reporting, sample year)
FY2021$2,577$2,000$1,411 (199 reporting)
FY2022$2,458$3,005$2,068 (73 reporting, sample year)
FY2023$2,326$3,150$2,130 (91 reporting, sample year)

Questions about Loveland’s finances

How much revenue does Loveland collect per resident?
Loveland collected $4,635 per resident in FY2021, 87% above the median of the 227 Colorado municipalities reporting that year. See the figure
How does Loveland's spending per resident compare with similar cities?
Loveland spent $5,772 per resident in FY2021, 2.3× the median of its peers: Broomfield, Greeley, Commerce City, Boulder and Castle Rock. See the figure
How much debt does Loveland have per resident?
Loveland carried $2,577 of debt per resident in FY2021, 29% above its peers' median. See the figure
Which cities is Loveland compared with?
Loveland is compared with Broomfield, Greeley, Commerce City, Boulder and Castle Rock: the Colorado municipalities nearest to it on population, median household income and region. Budget size isn't used, so peers aren't chosen on the figures being compared. See the peer table
Where do these numbers come from?
From the U.S. Census Bureau's Annual Survey of State and Local Government Finances, as each government reported its own fiscal year, divided by Census population estimates. Figures that fail quality checks are withheld rather than shown. Sources and methodology

Community context

American Community Survey 5-year estimates and Census population estimates. Where the selected year isn’t available, the nearest earlier year is shown and labeled.

Population growth (5-yr)
−0.6%/yr
2021 estimate
Median household income
$73.9K
2021 estimate
Poverty rate
8.0%
2021 estimate
Median home value
$359.4K
2021 estimate
Housing vacancy rate
3.4%
2021 estimate

Explore further

Also in Northern Front Range

Revenue per resident, latest published year.

Sources

Dataset: Loveland, CO municipal finance benchmarks

Free to reuse under CC BY 4.0 (opens in a new tab). Please credit “Source: Orivian Municipal Index, orivian.ai/benchmarks”. See the data use terms.

Notes: dollars are nominal (not inflation-adjusted). Colorado medians cover the municipalities reporting that year. Peers: nearest on population, income and region. Definitions: orivian.ai/benchmarks/methodology.Retrieved October 12, 2026 from orivian.ai/benchmarks.

Every figure on this page is read from the published index; nothing is recalculated for display. Read the methodology

Utilities & environment is Loveland’s largest difference from its peers (2.6× the peer median in FY2021). See how that line moves month to month in your own budget-vs-actual.

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