Installs in Loveland
Strata Heat Pumps installs heat pumps in Loveland, in every ZIP code listed on this page. The online estimate gives a price range and your rebates for a Loveland address in about two minutes.
Loveland homes and heat pump planning
Loveland has 35,330 homes across 35.423 square miles, with 34,475 occupied. Census figures put the median home year at 1993, matching Larimer County and later than Colorado's 1987. The local median is 5.8 rooms, compared with 6 rooms in the county and 5.7 statewide. These homes need equipment selected from the building, ducts, and design load, not from floor area alone.
Detached houses account for 63.4% of Loveland homes. That is close to Larimer County's 64.7% and above Colorado's 61.8%. Attached houses make up 10.2%, compared with 7.8% in the county. A central ducted heat pump is a strong starting point for detached homes with ducts that can move the required airflow.
Multi-unit buildings account for 24.9% of Loveland housing, compared with 24.1% in Larimer County and 26.9% across Colorado. That includes 12.8% in buildings with 2 to 9 units and 12.1% in buildings with 10 or more units. Ductless equipment suits condos and other homes where a central duct system is absent or impractical.
Loveland compared with nearby towns
Loveland's median home year of 1993 is close to Fort Collins at 1992. It is older than Windsor at 2007, Berthoud at 2008, and Timnath at 2015. Loveland has 11.4% of homes built before 1960. That is higher than Fort Collins and Berthoud, each at 8.9%, Windsor at 4.6%, and Timnath at 0.7%.
Homes built from 1960 to 1979 make up 24.1% of Loveland, while 27% were built from 1980 to 1999. Those are the two largest local construction groups. Homes from 2000 to 2009 are 20.8%, and 16.7% were built in 2010 or later. Older homes are more likely to lack ducts or have small ducts, so duct inspection matters before choosing a central system.
Newer construction has a much larger share in nearby towns. Homes built in 2010 or later account for 43.2% in Windsor, 48.2% in Berthoud, and 85.2% in Timnath. Loveland's multi-unit share of 24.9% also exceeds Windsor's 13.4%, Berthoud's 9%, and Timnath's 8.9%. Loveland needs both central and ductless heat pump plans because its housing stock spans more ages and building types.
How Loveland homes heat today
Utility gas heats 76.9% of Loveland homes. That share is above Larimer County's 70.4% and Colorado's 66.7%. It is also above Fort Collins at 67.8%, though below Windsor at 77.8%, Berthoud at 81.5%, and Timnath at 90.4%. Gas furnaces are therefore a major part of the local replacement decision.
Electricity heats 21% of Loveland homes, below the county's 23.4% and Colorado's 25.2%. Propane heats 1.3%, compared with 4% across Larimer County and 4.9% statewide. Wood accounts for 0.1%, solar for 0.3%, and other or no heating fuel for 0.5%. The existing heat source affects the rebate path and whether keeping a furnace makes sense.
Heat pumps move heat instead of burning fuel, and they also cool the home. For a gas-heated house with sound ducts, a ducted heat pump replaces central heating and cooling equipment. Dual fuel pairs the heat pump with the existing gas furnace, which handles the coldest hours. Before installation, we measure the home and check the ducts and electrical panel.
Three systems for Loveland homes
A ducted heat pump fits many of Loveland's 63.4% detached homes. It uses the existing duct system after we confirm its condition and capacity. This route matches houses from 1980 to 1999, which represent 27% of local homes, and homes from 2000 to 2009, which represent 20.8%. A heat pump needs ducts that deliver enough air to each part of the home.
Dual fuel fits the large 76.9% share of homes now heated with utility gas. The heat pump carries heating and cooling, while the gas furnace remains available at the coldest times. This setup also fits homes where furnace replacement is not the goal. In the example 2,000 square foot, 2-story gas-heated home, dual fuel has a lower listed price range than the ducted heat pump option.
Ductless systems fit homes without ducts, additions, and condos. They are relevant to Loveland's 24.9% multi-unit housing share and its 11.4% share of homes built before 1960. Our estimate prices up to 5 indoor units. It uses about 500 sq ft of floor area per ductless indoor unit. Several indoor units can serve distinct rooms or sections of a home.
Sizing at Loveland elevation
Our estimate tool sizes a system for 5°F outdoors and 70°F indoors. It uses an elevation of 5,300 ft. At that elevation, an air-source heat pump loses 18% of heat output. At the design temperature, the sizing assumes a coefficient of performance of 2. Local sizing must account for deep cold and elevation together.
The example home is 2,000 square feet, 2 stories, heated by a gas furnace, and built from 1980 to 1999. Its design heat load is 2.7 tons, and the estimate calls for a 30 A breaker. This is a starting example for the largest local construction group, which makes up 27% of Loveland homes.
Construction age changes the estimated load for the same example layout. A home built before 1960 is 3.2 tons. A home built from 1960 to 1979 is 3.0 tons, while a home built from 2000 to 2009 is 2.3 tons. A home built in 2010 or later is 1.9 tons. We verify the home's measurements, ductwork, and panel before installation.
Example heat pump prices in Loveland
For the example 2,000 square foot, 2-story gas-heated home built from 1980 to 1999, our estimate tool shows a ducted heat pump at $15,100 to $27,900 before rebates. After rebates, the range is $10,200 to $23,000. The price reflects a 2.7 tons design load and the home's existing gas heating. A ducted system also provides central cooling.
For that same example home, the dual-fuel price is $12,100 to $22,500 before rebates and $7,200 to $17,600 after rebates. Dual fuel retains the gas furnace for the coldest hours. The lower range compared with the ducted heat pump example reflects the different equipment approach. The right choice still depends on the home's ducts, furnace condition, electrical panel, and measured load.
For a 1,500 square foot ductless example, the estimate uses 3 indoor units. The price is $11,800 to $19,200 before rebates and $10,800 to $18,200 after rebates. Most installations take 1 day. A job with several ductless units can take 2 or 3 days. We install Mitsubishi, Bosch, Daikin, Carrier, and Trane equipment.
Loveland rebates and ZIP code differences
For a gas-heated home with a 3-ton ducted heat pump, our estimate tool shows $5,500 in total rebates. The programs in that total are the Xcel Energy rebate ($4,500) and the State of Colorado Heat Pump Discount ($1,000). The State of Colorado Heat Pump Discount applies to every Colorado home and comes off the invoice. We file every rebate for the homeowner.
The example dual-fuel system for a gas-heated home has $5,500 in rebates. The listed programs are the Xcel Energy rebate ($4,500) and the State of Colorado Heat Pump Discount ($1,000). A gas-heated ductless system has $5,500 in rebates. An electric-heated home with a 3-ton ducted heat pump has $1,000, listed as the State of Colorado Heat Pump Discount ($1,000). These totals show why the current heating fuel belongs in the estimate.
ZIP code 80537 has 20,314 homes and a median build year of 1991. ZIP code 80538 has 21,923 homes and a median build year of 1992. Gas heat is 73.6% in 80537 and 77.3% in 80538. Electricity is 20.7% in 80537 and 19.3% in 80538.
The larger difference is housing age. Homes built before 1960 account for 19.2% in 80537, compared with 5% in 80538. Detached homes are nearly the same, at 67.3% in 80537 and 67.1% in 80538. Multi-unit buildings are 21.8% in 80537 and 20.8% in 80538. The older share in 80537 makes a duct review and a measured heat load especially important.
Loveland in numbers
| Homes | Median year built | Built before 1960 | Built 2010 or later | Gas heat | Electric heat | Propane | |
|---|---|---|---|---|---|---|---|
| Loveland | 35,330 | 1993 | 11.4% | 16.7% | 76.9% | 21% | 1.3% |
| Larimer County | 161,882 | 1993 | 10.2% | 19% | 70.4% | 23.4% | 4% |
| Colorado | 2,545,124 | 1987 | 16.3% | 14% | 66.7% | 25.2% | 4.9% |
| ZIP | Main town | Homes | Median year built | Heat with gas | Electric utility | Install area |
|---|---|---|---|---|---|---|
| 80537 | Loveland | 20,314 | 1991 | 73.6% | Loveland Water and Power | Yes |
| 80538 | Loveland | 21,923 | 1992 | 77.3% | Other or not sure | Yes |
Systems and rebates in Larimer County
- Ducted heat pump in Larimer CountyPrices by home age and the Larimer rebates for this system.
- Dual-fuel heat pump in Larimer CountyPrices by home age and the Larimer rebates for this system.
- Ductless mini-split in Larimer CountyPrices by home age and the Larimer rebates for this system.
- Heat pump rebates in Larimer County$5,500 on a 3-ton gas home, program by program.
- Pool heat pumps in Larimer CountyPool and spa heat pumps: local code rules, running cost and the swim season.
Other towns we install in
Questions we hear
Which system fits a Loveland home with a gas furnace?
Utility gas heats 76.9% of Loveland homes. A ducted heat pump fits a house with ducts that pass inspection. Dual fuel keeps the gas furnace for the coldest hours while the heat pump handles heating and cooling. For the example home, dual fuel is $12,100 to $22,500 before rebates and $7,200 to $17,600 after rebates.
What rebates apply to a gas-heated Loveland home?
For a 3-ton ducted heat pump in a gas-heated home, the total rebate is $5,500. The programs in that total are the Xcel Energy rebate ($4,500) and the State of Colorado Heat Pump Discount ($1,000). The State of Colorado Heat Pump Discount applies to every Colorado home and comes off the invoice. We file every rebate for the homeowner.
How do you size a heat pump for Loveland?
We size equipment for 5°F outdoors and 70°F indoors at 5,300 ft. An air-source heat pump loses 18% of output at that elevation. The 2,000 square foot, 2-story example home built from 1980 to 1999 has a design load of 2.7 tons and a 30 A breaker requirement.
Why does the home's construction year affect size?
For the same 2,000 square foot, 2-story gas-heated example, a home built before 1960 has a 3.2 tons load. The 1980 to 1999 example has 2.7 tons, while a home built in 2010 or later has 1.9 tons. Loveland has 11.4% of homes built before 1960 and 16.7% built in 2010 or later.
How do ZIP codes 80537 and 80538 differ?
ZIP code 80537 has 19.2% of homes built before 1960, compared with 5% in 80538. Gas heat reaches 73.6% in 80537 and 77.3% in 80538. Detached homes are similar at 67.3% and 67.1%. The older housing share in 80537 makes a duct inspection and measured heat load especially important.