I spent a few hours and about 30 miles cycling around Loveland and discovered it was… lovely, with lots of lakes, golf courses, mountain and valley views, and a closer proximity to the Rocky Mountains than Fort Collins. Yet, housing costs there are hardly more than those in Fort Collins, which are already a lot less than, say, Boulder or Estes Park. One thing this town of 55,000 people did lack was a downtown like Fort Collins or Boulder, and hence felt a lot more suburban and residential. [Amendment 10/13/05: I seem to be mistaken that there is no downtown area in Loveland. According to this article there not only is one but it draws off of the large colony of local artists.] Photos are here.