Average Utility Costs in Loveland, CO

Estimated monthly utility costs (1,000 kWh + 5,000 gal)

Average monthly utility costs in Loveland, CO are about $253.41, based on 1,000 kWh of electricity and 5,000 gallons of water, plus sewer and trash fees. See the full breakdown and sources below.

Total estimated monthly utilities

$253.41

Estimated average monthly utilities in Loveland are ~$253.41 (1,000 kWh + 5,000 gal assumptions). Average water bill estimate: ~$42.86/mo at 5,000 gallons.

Data freshness: last verified 2026-02-17
  • Electric $146.97 (58%)
  • Water $42.86 (17%)
  • Sewer $49.58 (20%)
  • Trash $14.00 (6%)

Utilities here are about 10% higher than the Colorado city average, driven mainly by electric rates.

  • In Colorado, heating and cooling often makes electric the largest share of the bill.
  • City-provided trash is billed at a monthly fee ($14.00 in our estimate).

Water

Confirmed
Provider
Loveland Water and Power
Base charge
$21.51/mo
Volumetric rate
$4.27/1,000 gal
Assumed usage
5,000 gal
Estimated monthly
$42.86
lovelandwaterandpower.org· verified 2026-02-17

Sewer

Confirmed
Method
tiered
Estimated monthly
$49.58

Inside city metered single-family: $18.53/mo base + $6.21/1k gal. estimatedMonthly at 5,000 gal. Flat-rate wastewater applies if water is from another provider.

lovelandwaterandpower.org· verified 2026-02-17

Trash

Estimated
Monthly fee
$14.00

PAYT trash by cart size on utility bill; typical 65-gal cart ~$14/mo (also cited in city Solid Waste materials). Universal monthly recycling fee is billed separately on the same bill. Optional yard debris ~$9.25/mo Apr–Nov (96-gal). Contact Solid Waste 970-962-2529 or see annual Rates PDF for current cart and recycling line items.

lovgov.org· verified 2026-02-17

Total estimated monthly utilities

$253.41

What changes your bill most?

  • Electric is about 58% of your estimated utilities here.
  • Every 100 kWh changes your total by about $12.60.
  • Water increases by about $4.27 per additional 1,000 gallons.

Why we don't cover internet

Internet service varies widely—many providers, different plans, introductory offers, and bundles make it hard to compare apples to apples. We focus on electric, water, sewer, and trash where rates are more standardized, but we do offer a tool to help you compare internet service providers in your area.

Check available internet service providers in Loveland →

Assumptions

  • Electric: 1000 kWh/month
  • Water: 5,000 gallons/month

What these labels mean

  • Confirmed — From this area's rate schedule.
  • Benchmark — From an official typical (e.g. state commission 1,000 kWh); not city-specific.
  • Delivery only — Regulated delivery charges only (e.g. Texas); supply varies by plan.
  • Estimated — From other or incomplete sources; use as a rough guide.
Sources

Wondering if solar makes sense for you? Try our solar payback calculator to find out.

Nearby Cities Utility Costs

Other cities in Larimer County. Click a city for full breakdowns.

CityEst. total/mo
Loveland (this)$253.41
Fort Collins$244.78

More in Colorado

Colorado utility costsLarimer CountyElectric providers in Colorado

FAQ

In Loveland, sewer is billed in tiers based on usage, so the rate per gallon changes with volume. Our estimate uses the rate structure from City of Loveland Utilities – 2026 Wastewater (metered, inside city, single-family) at the assumed 5,000 gallons per month. Your bill will vary with actual usage.
Trash in Loveland is provided by the city as part of municipal utilities and is billed at a monthly fee. Rates and services are set by the local government; our estimate uses the fee from City of Loveland – Utility Billing (trash & recycling on utility bill).
We use base charges and per-unit rates from official provider pages. Electric = base + (rate × assumed kWh). Water = base + (rate per 1,000 gal × assumed gallons / 1,000). Sewer is either a flat fee or a percentage of water. Trash is a fixed monthly fee. See the Methodology page for full formulas.
Actual bills depend on your usage, seasonal rates, taxes, fees, and provider-specific rules. Our estimates use fixed assumed usage (e.g., 1,000 kWh, 5,000 gal) for comparison. Your home may use more or less.
Each component shows a 'last verified' date. We aim to update from official sources periodically; always confirm current rates on the provider's site before making decisions.

Learn more

For tips on understanding your bill, comparing cities, and how electric and utility rates work by state, see our blog. Compare Loveland with another city side-by-side, or see how we calculate estimates.