Loveland's two markets need different answers. Historic downtown and Old Town — early-1900s bungalows and Victorians, with The Foundry opened in 2019 — need ductless and retrofit cooling and furnace replacement, the same historic-home story as Old Town Fort Collins [INFERENCE]. Centerra and the east side — about 3,000 acres at I-25 and US 34, with the Promenade Shops and the Medical Center of the Rockies, plus The Lakes at Centerra — are new builds on first systems, with metro-district HOA rules to check before moving exterior equipment. West-side Mariana Butte, with its 18-hole golf course and higher-end custom homes, adds a third pattern: custom homes with custom ductwork. The median sale price was about $510,000 in July 2026, and the Thompson School District serves the city.
Area status: Separate municipality — Loveland is a city in its own right, NOT a Fort Collins neighbourhood. Distances are road and drive-time figures from the cited sources, and they disagree by source — this page uses ranges, not a single figure.
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Fort Collins is a heating-dominant climate — 5,797 heating degree days against 624 cooling degree days a year, about 30 days a year at or above 90°F — and Loveland shares it. About two-thirds of Fort Collins-area homes heat with piped gas and about three in ten with electricity, and the same fuel mix shapes Loveland's replacement market [INFERENCE]. At about 5,000 feet, a gas furnace derates roughly 12% from its sea-level rating, so sea-level sizing undersizes a home here — which is why new systems should be sized from a Manual J load calculation at altitude, not from square footage alone.
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