Short-Term Rentals in Loveland, CO (2026)

10 verified short-term rentals rules for Loveland, Colorado, sourced directly from the municipal code and official government pages.

Verified from official government sources

Permit Requirements

The City of Loveland does not maintain a stand-alone short-term rental (STR) permit, license, or registration program under its Title 18 Unified Development Code or its business-licensing chapters. Unlike neighboring Front Range cities such as Longmont, Denver, and Boulder - each of which has adopted an express STR licensing ordinance - Loveland regulates short-term lodging primarily through its general sales/use tax license requirement (Loveland Municipal Code Chapter 3.16) and its 3% Lodging Tax under Chapter 3.24. Any operator renting a dwelling for fewer than 30 consecutive days must hold a City of Loveland sales/use tax account, collect and remit the city's 3% sales tax and 3% Lodging Tax, and comply with citywide zoning, building, and nuisance rules. There is no separate STR application fee, occupancy verification, density cap, or owner-occupancy filter codified in the Loveland code as of this writing.

Loveland Has No Dedicated Short-Term Rental Permit; Operators Need Only a City Sales/Use Tax License and Must Remit the 3% Lodging Tax

Few Restrictions

Full ordinance details →Official source ↗

Noise Rules

Loveland has not adopted short-term-rental-specific quiet-hours or party-house rules. STR guests are subject to the same noise ordinance that applies to every Loveland resident, codified in the Loveland Municipal Code under Title 9 (Public Peace and Welfare) and enforced primarily through plain-audibility and decibel-based standards. Active noise disturbances are handled by Loveland Police Department non-emergency dispatch; recurring nuisance noise tied to a specific address can be referred to code enforcement under the general nuisance chapter. Because Loveland has no STR license to suspend, noise enforcement against STRs runs through individual citations against the occupant or property owner rather than through any STR-program review process.

Loveland STR Guests Subject to General Noise Ordinance; No STR-Specific Quiet Hours in the Code

Some Restrictions

Full ordinance details →Official source ↗

Taxes & Fees

Short-term rentals in Loveland collect a stack of state, county, and city taxes plus a separate 3% City of Loveland Lodging Tax under Loveland Municipal Code Chapter 3.24. The base combined effective rate on a Loveland STR stay is approximately 9.95%: 2.90% Colorado state sales tax + 1.05% Larimer County sales tax + 3.00% City of Loveland sales tax (LMC Ch. 3.16) + 3.00% City of Loveland Lodging Tax (LMC Ch. 3.24). Some Loveland ZIP codes carry additional special-district overlays (the Centerra-area Regional Transportation Authority and other improvement districts), which can push the total to roughly 11.95% on stays in those locations. The lodging tax applies to rentals of less than 30 consecutive days. Operators must obtain a City of Loveland Sales and Use Tax license to collect and remit. Airbnb collects both the 3% city sales tax and 3% city Lodging Tax on platform-booked stays under its Colorado collection agreement.

Loveland STR Tax Stack: 2.9% Colorado State + 1.05% Larimer County + 3.0% City Sales + 3.0% City Lodging Tax = 9.95% Base (Plus Special-District Overlays)

Heavy Restrictions

Full ordinance details →Official source ↗

Parking Rules

Loveland imposes no short-term-rental-specific off-street parking ratio. Because there is no dedicated STR license, there is no separate STR parking minimum, guest-vehicle cap, or designated-parking disclosure rule. STR parking obligations are inherited from the underlying dwelling's existing off-street parking requirements under the Loveland Unified Development Code (Title 18). STR guests are subject to the citywide on-street parking, time-limit, and overnight-parking rules that apply to any resident or visitor, enforceable by the Loveland Police Department. Operators are not legally required to disclose parking availability to guests, but doing so is the practical norm to avoid neighbor complaints and resulting general-nuisance enforcement.

No STR-Specific Parking Mandate in Loveland; Underlying Dwelling Parking Standards (UDC) and General Traffic Code Apply

Few Restrictions

Full ordinance details →Official source ↗

Occupancy Limits

Loveland does not impose a short-term-rental-specific maximum occupancy formula such as 'two per bedroom plus two' that has become common in regulated STR markets. Because there is no dedicated STR license, no maximum-guest cap, no per-bedroom guest ratio, and no sprinkler-system threshold (e.g., 'more than 5 bedrooms requires sprinklers') has been codified for STR use specifically. Occupancy is governed instead by the adopted residential building code (Loveland Municipal Code Title 15 - Building Code) and the underlying dwelling's certificate of occupancy, plus general fire-life-safety requirements (smoke and CO detectors, egress windows, accessible electrical panel) that apply to all residential occupancies regardless of whether the dwelling is rented short-term.

Loveland Imposes No STR-Specific Occupancy Cap; Building Code and General Residential Occupancy Rules Apply

Few Restrictions

Full ordinance details →Official source ↗

Insurance Requirements

Loveland imposes no city-level minimum liability insurance requirement on short-term rental operators. Because there is no dedicated STR license, there is no application stage at which proof of insurance is collected, no $1,000,000 minimum coverage threshold (as imposed by Longmont and several other Colorado cities), and no annual renewal re-attestation. Insurance for a Loveland STR is therefore governed entirely by (1) the operator's own risk tolerance, (2) the operator's mortgage lender's requirements, (3) any homeowner's association (HOA) CC&R provisions, and (4) the policy language of the operator's existing homeowner's policy - which typically excludes paid short-term rental activity unless an endorsement is added. Most professional STR operators carry a commercial STR policy or a home-sharing endorsement regardless of the city's permissive posture.

Loveland Imposes No Minimum Liability Insurance for STRs; Operators Strongly Advised to Carry Commercial STR Coverage

Few Restrictions

Full ordinance details →Official source ↗

Night Caps

Loveland does not impose any night cap on short-term rentals. There is no annual booking-night limit (such as the 90-day or 120-day caps used in some markets), no per-booking maximum (other than the 30-day threshold that distinguishes a short-term rental from a long-term tenancy for tax purposes), no density cap per neighborhood or block, and no per-operator portfolio limit. A Loveland STR may be booked up to 365 nights per year as long as the operator (1) holds a City of Loveland Sales and Use Tax license, (2) collects and remits the 3% city sales tax and 3% city Lodging Tax on each stay, and (3) complies with the city's general zoning, building, noise, and nuisance ordinances applicable to all residential uses.

No Annual or Per-Booking Night Cap on Loveland STRs; Unlimited Booking Allowed Subject to Tax Compliance

Few Restrictions

Full ordinance details →Official source ↗

Registration Rules

Registering a short-term rental in Loveland is limited to obtaining (1) a City of Loveland Sales and Use Tax license under LMC Chapter 3.16, administered by the city Finance Department's Sales Tax Division, and (2) a Colorado Department of Revenue state sales tax license (Form CR 0100). There is no separate STR-specific registration with the city Planning Division, no inspection at issuance, no proof-of-insurance filing, no occupancy verification, and no annual STR-program renewal. Once the sales/use tax account is open, the operator collects the 3% city sales tax and 3% city Lodging Tax on each stay and files returns on the schedule set by the Sales Tax Division. State-level registration with the Colorado DOR is independently required for the 2.9% state sales tax remittance.

Loveland STR Registration Is a Tax Registration Only: City Sales/Use Tax License (LMC Ch. 3.16) Plus State Sales Tax Account

Some Restrictions

Full ordinance details →Official source ↗

Host Presence Rule

Loveland imposes no on-site host presence requirement on short-term rental operations. Because there is no dedicated STR ordinance, the city has not codified a hosted-only rule (requiring the owner, agent, or property manager to reside at the dwelling during the rental), no distinction between whole-dwelling unhosted rentals and room-by-room hosted rentals, and no 24/7 local responsible-party contact mandate. A Loveland STR may be operated unhosted by an absentee owner, by an out-of-state investor, by a property management company, or by any combination, with no required on-site staffing during guest stays. Operators do typically designate a local point of contact for guest issues, but this is a practical operational norm rather than a city mandate.

No On-Site Host Presence Required for Loveland STRs; Whole-Dwelling Unhosted Rentals Permitted by Default

Few Restrictions

Full ordinance details →Official source ↗

Primary-Residence-Only Rule

Loveland does not restrict short-term rental licenses to the operator's primary residence. There is no primary-residence requirement, no owner-occupancy mandate, no proof-of-residency filing, and no portfolio cap limiting how many dwellings a single owner may operate as STRs. A Loveland STR may be the operator's primary home, a second home, a pure investment property, an inherited property, or part of a multi-property STR portfolio. The eligibility rule that distinguishes Loveland from cities like Denver (where unhosted STRs are restricted to primary residences) and Longmont (which limits residents to one investment dwelling plus their primary residence) is simply that no eligibility rule exists - any owner with a valid City of Loveland Sales and Use Tax account may operate the STR. HOA CC&Rs may impose private owner-occupancy rules in some neighborhoods.

Loveland Does Not Restrict STRs to Primary Residences; Investment and Non-Owner-Occupied Properties Permitted

Few Restrictions

Full ordinance details →Official source ↗

Looking for Larimer County county-wide rules?

County ordinances apply to unincorporated areas and may supplement Loveland city rules.

Short-Term Rentals in Larimer County →