Loveland, CO Home Business: Zoning Restrictions (2026)

Loveland's UDC Title 18 (Unified Development Code, adopted by City Council in December 2018, effective January 1, 2019, periodically amended) governs land use within the City of Loveland. Division 18.02.06 is titled 'Business Use of the Home' and consolidates standards for three categories: home occupations, medical marijuana caregivers, and home child care. A home occupation is treated as a use accessory to a dwelling in single-family, duplex, and multi-family residential zoning districts (including R1, R1e, R2, R3, R3e, and the R-MUR Mixed-Use Residential district), subject to the following cumulative standards: (1) the home occupation must be clearly incidental and secondary to the use of the dwelling for residential purposes; (2) the business must be conducted entirely within the dwelling unit or an accessory structure; (3) the home occupation must not change the residential character or appearance of the dwelling or the surrounding neighborhood; (4) no outdoor storage, display, or sales of products, supplies, or equipment is permitted; (5) no equipment may be used that creates noise, vibration, electrical or magnetic interference, smoke, dust, odor, or other off-premises nuisance detectable beyond the property line; (6) no traffic generation beyond what is customary for a residence in the district is permitted; (7) no more than one non-resident employee is allowed; (8) signs are strictly limited (see signage subcategory). Specific specialty uses such as medical marijuana caregivers are limited to growing and storing marijuana as defined by Colorado Amendment 64 and the Colorado Constitution Article XVIII, Section 14. Colorado has not enacted a statewide Home-Based Business Protection Act (unlike Florida HB 403, 2021; Arizona HB 2333, 2017; or Texas SB 1730), so Loveland's UDC standards control absent preemption. The Loveland Development Services / Current Planning Division administers Title 18 from 410 E. 5th Street, Loveland CO 80537; phone (970) 962-2523.