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Market Stats
Information

Loveland, CO ADU Homes for Sale

Home
Loveland, CO Adu Homes For Sale

13 Loveland ADU homes for sale this week, $425K to $1.75M: the median ADU home for sale in Loveland lists at $625K, most often 3-bedroom. US-34, Lake Loveland and I-25 are the landmarks the addresses cluster around. Call or text 303-955-4220. A live person answers.

7 Properties Found
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Loveland, CO ADU Market Statistics

7
Homes Listed
104
Avg. Days on Site
$340
Avg. $ / Sq.Ft.
$850,760
Med. List Price

ADU homes in Loveland: the numbers this week

What $625K buys among ADU homes in Loveland this week: the median ADU homes at 1,901 square feet, $375 a foot. 13 in all, $425K to $1.75M; the price bands, bedrooms, ZIP codes, monthly cost and the questions buyers ask are below.

ADU homes in Loveland this weekNumber
For sale13
Price range$425K to $1.75M
Median list price$625K
Median price per square foot$375
Size range1,116 to 8,149 sq ft
Listings with an HOA2 of 13 sampled (median $89/mo)
Wider searchLoveland homes for sale
ADU homes in Loveland by price2Under $500K2$500K to $600K2$600K to $625K4$625K to $800K1$800K to $1.35M2Over $1.35M
6 of the 13 sampled sit in the lower half of the range.
ADU homes in Loveland by bedrooms73 beds44 beds25+ beds
3 beds is the most common listing this week.
HOA on ADU homes in LovelandWith a monthly HOA2No HOA11

ADU homes in Loveland by ZIP code

ADU homes by ZIP code8053710805383

What the median ADU homes in Loveland costs per month

Median Loveland ADU homes home, $625K, 5% down, 7% note rate: about $4,670 a monthPrincipal and interest$3,950Property tax (about 0.55%)$286Homeowners insurance$182Mortgage insurance (5% down)$247A seller-paid 2-1 buydown takes year one to 5%: $3,187 principal and interest, $763 a month less.
Taxes, insurance and mortgage insurance add about $715 a month to the note on the median Loveland ADU homes home. Can I afford a home now? runs your own numbers.

About ADU homes in Loveland

An ADU in Loveland is an accessory dwelling unit: a second, smaller home on the same lot, with its own kitchen, bathroom and entrance. It is a detached casita in the backyard, an apartment over the garage, or a basement apartment with a separate door. Buyers searching ADU homes for sale in Loveland also search casitas, carriage houses, garage apartments, mother-in-law suites and homes with rental income, and this page pulls all of them from the MLS. Homes with a finished ADU are rare in Loveland at any given moment, so the grid above is the live count and a Kenna agent adds the ADU-ready lots and the garage-apartment listings the public portals miss.

Rental income. A legal long-term rental in the ADU helps pay the mortgage on the main house. Short-term rental rules are set by the city and the HOA, so check them before you count on nightly income.

Resale. A permitted ADU is one of the few improvements in Loveland that adds more value than it costs, because two households can pay for one property.

Permits and the certificate of occupancy. An unpermitted unit is a negotiating point for you and a disclosure problem later. A Kenna agent pulls the permit history during your review period.

Utilities and address. A separate meter and a unit number make renting simple; a shared meter means a lease that splits the bill.

Financing. Conventional, FHA and VA loans all buy a home with an ADU, and some lenders count part of the ADU's rent toward your qualifying income. Ask before you shop.

Questions people ask about ADU homes in Loveland

How many ADU homes are for sale in Loveland right now?

13 this week, $425K to $1.75M, median $625K. The grid at the top of this page is the live MLS list and refreshes daily.

How big are the ADU homes in Loveland?

1,116 to 8,149 square feet across this week's sample, 3 beds most common. Price per square foot runs $375 at the median.

What should I check before making an offer on ADU homes in Loveland?

The price per square foot against the other listings on this page ($375 is the median), the days on market, the HOA or metro district if there is one, the sewer line and roof age on older homes, and whether the seller pays a closing-cost credit or a rate buydown. More: Seller concessions for Colorado buyers.

Which ZIP code has the most ADU homes in Loveland?

80537 with 10 in this week's sample, then 80538 with 3.

What is the median price of ADU homes in Loveland?

$625K at list this week, for a median 1,901 square feet, $375 a square foot. Compare two on the per-foot number and the condition before the list price. More: Can I afford a home now?.

Do ADU homes in Loveland have HOA fees?

Some do: 2 of 13 sampled carry a fee (median $89 a month); 11 do not. More: HOA fees in Colorado, explained.

What counts as an ADU in Loveland?

A separate living unit on the same lot with its own kitchen, bathroom, sleeping area and entrance, permitted by the city. A casita, a garage apartment and a walkout basement apartment all qualify when they are permitted.

Can I rent out the ADU?

Long-term rentals are allowed in most of the cities covered by the state law. Short-term rentals depend on the Loveland ordinance and the HOA. A Kenna agent checks both for the exact address before you offer. More: Rent Out Your Home Instead of Selling in Today's Market – Kenna Real Estate Group Can Help -.

Can I rent out the ADU on a home in Loveland?

Yes. Long-term rental of the ADU is the common plan. Denver dropped its owner-occupancy rule in the 2024 zoning update, and other Front Range cities have followed. Nightly rental is a separate matter: cities that allow it tie it to your primary residence and require a license. Before you write an offer, ask the seller for the ADU permit and the city's current rental rules for that address. More: Rent Out Your Home Instead of Selling in Today's Market – Kenna Real Estate Group Can Help -.

Is the ADU legal and permitted?

Check this first. A permitted ADU has a building permit and a final inspection on file with the city. An unpermitted basement apartment or garage conversion can be ordered removed, cannot be counted by an appraiser and can void insurance coverage. Ask the listing agent for the permit number. We pull the city record for you before you tour.

How big can an ADU be?

Denver caps a detached ADU at 1,000 square feet and 24 feet tall, placed in the rear 35 percent of the lot. Other cities set their own numbers, so confirm the limits for the specific lot before you plan an expansion. Our guide to Colorado ADU regulations lists the rules by city.

Will the ADU raise my property tax?

Yes. A permitted ADU adds assessed value. Colorado reassesses every two years in odd years, so the added value shows up at the next reassessment and not the day you close. More: Colorado Property Tax Deductions: What to Know Before Filing.

New listings the day they hit

Text LOVELAND and what you are looking for to 303-955-4220. A live person answers, sets up the saved search and sends the disclosures on any ADU homes you want to see.

Call or text 303-955-4220 All Loveland homes for sale

Homes With an ADU for Sale in Loveland, CO: What You Are Looking At

An ADU in Loveland is an accessory dwelling unit: a second, smaller home on the same lot, with its own kitchen, bathroom and entrance. It is a detached casita in the backyard, an apartment over the garage, or a basement apartment with a separate door. Buyers searching ADU homes for sale in Loveland also search casitas, carriage houses, garage apartments, mother-in-law suites and homes with rental income, and this page pulls all of them from the MLS. Homes with a finished ADU are rare in Loveland at any given moment, so the grid above is the live count and a Kenna agent adds the ADU-ready lots and the garage-apartment listings the public portals miss.

The Kenna Real Estate Group has sold Colorado homes since 2002 and shows ADU homes 7 days a week, and same day when the seller allows it. Call or text 303-955-4220. A live person answers.

What an ADU Does for a Loveland Buyer

  • Parents or adult sons and daughters next door, not down the hall. Full privacy on one property.
  • Rental income. A legal long-term rental in the ADU helps pay the mortgage on the main house. Short-term rental rules are set by the city and the HOA, so check them before you count on nightly income.
  • A home office, studio or guest house that does not eat a bedroom in the main home.
  • Resale. A permitted ADU is one of the few improvements in Loveland that adds more value than it costs, because two households can pay for one property.

Colorado's ADU Rules in Loveland

Colorado's 2024 ADU law (House Bill 24-1152) requires the larger Front Range cities and counties to allow one accessory dwelling unit on most single-family lots starting in mid-2025, and each city sets its own size, height, parking and owner-occupancy rules on top of that. Read the Colorado ADU rules for 2026 before you buy a lot to build on, and confirm the Loveland zoning for the exact address with a Kenna agent. An existing ADU still needs a permit and a certificate of occupancy to count as legal; ask for both.

What to Check Before You Buy an ADU Home in Loveland

  1. Permits and the certificate of occupancy. An unpermitted unit is a negotiating point for you and a disclosure problem later. A Kenna agent pulls the permit history during your review period.
  2. Separate entrance, kitchen and bath. That is what makes it a dwelling unit and not a finished basement.
  3. Utilities and address. A separate meter and a unit number make renting simple; a shared meter means a lease that splits the bill.
  4. HOA covenants. Covenants still control design, parking and rental terms. Read them before you offer.
  5. Financing. Conventional, FHA and VA loans all buy a home with an ADU, and some lenders count part of the ADU's rent toward your qualifying income. Ask before you shop.

Selling a Loveland Home With an ADU?

Buyers pay for a permitted, rentable unit and pay nothing extra for an illegal one. A free Smart Pricing Report prices the main house and the ADU from Loveland homes that actually sold, with three prices and the time frame for each. Call or text 303-955-4220.

ADU Homes Near Loveland

Loveland ADU Questions

What counts as an ADU in Loveland?

A separate living unit on the same lot with its own kitchen, bathroom, sleeping area and entrance, permitted by the city. A casita, a garage apartment and a walkout basement apartment all qualify when they are permitted.

Can I rent out the ADU?

Long-term rentals are allowed in most of the cities covered by the state law. Short-term rentals depend on the Loveland ordinance and the HOA. A Kenna agent checks both for the exact address before you offer.

Can I add an ADU to a Loveland home I buy?

On most single-family lots in the covered cities, yes, within the local size and setback rules. Buying the right lot is the whole game: alley access, a flat backyard and an existing detached garage cut the cost.

Can I see a Loveland ADU home today?

Yes. Showings run 7 days a week and same-day when the seller allows. Call or text 303-955-4220. A live person answers.

More for Loveland ADU Buyers

Kenna Real Estate Group at Keller Williams DTC · 6300 S Syracuse Way, Suite 150, Centennial · Call or text 303-955-4220. A live person answers, 7 days a week.

ADU for sale across Colorado

More searches in Loveland

Guides for this market

Want a tour or a price opinion on any home above? Call or text 303-955-4220. A live person answers. Not a robot, not a phone tree.

Questions Buyers Ask About ADU Homes in Loveland, Answered

Can I rent out the ADU on a home in Loveland?

Yes. Long-term rental of the ADU is the common plan. Denver dropped its owner-occupancy rule in the 2024 zoning update, and other Front Range cities have followed. Nightly rental is a separate matter: cities that allow it tie it to your primary residence and require a license. Before you write an offer, ask the seller for the ADU permit and the city's current rental rules for that address.

Is the ADU legal and permitted?

Check this first. A permitted ADU has a building permit and a final inspection on file with the city. An unpermitted basement apartment or garage conversion can be ordered removed, cannot be counted by an appraiser and can void insurance coverage. Ask the listing agent for the permit number. We pull the city record for you before you tour.

How big can an ADU be?

Denver caps a detached ADU at 1,000 square feet and 24 feet tall, placed in the rear 35 percent of the lot. Other cities set their own numbers, so confirm the limits for the specific lot before you plan an expansion. Our guide to Colorado ADU regulations lists the rules by city.

Will the ADU raise my property tax?

Yes. A permitted ADU adds assessed value. Colorado reassesses every two years in odd years, so the added value shows up at the next reassessment and not the day you close.

Can I finance a home with an ADU?

Yes. A conventional or FHA loan covers a home with an attached or detached ADU. Some lenders count projected rent from the ADU as qualifying income. Ask your lender for their ADU rental-income rule before you shop.

What do I inspect on an ADU?

Separate meters, a working heat source, egress windows, smoke and carbon monoxide alarms, a private entrance and water heater capacity. Ask for utility bills for the last 12 months so you see the real cost.

Want a tour of ADU homes in Loveland? Call or text 303-955-4220. A live person answers. The Kenna Real Estate Group sets up a search for you the same day and sends new matches the hour they list.

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