Colorado Springs vs Fort Collins for Retirees (2026)
Scroll down for retirement income tax breakdown, healthcare estimates, and FAQ.
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Estimated annual swing
+$2,878/yr
Favoring Colorado Springs for this income & household (illustrative).
With the extra $240/mo, you could pay down a $15,000 card balance in ~63 months and still keep ~$29/mo for dining out.
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High-yield savings
Park ~$2,878/yr savings at 4–5%+ APY
Even $240/mo extra earns meaningfully at 4–5% APY vs near-zero in checking.
Home + auto bundle
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Moving to Colorado Springs resets your insurance profile. Bundling home + auto often saves 15–25%.
Supplemental health
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Full retirement cost breakdown
| Metric | Colorado Springs Colorado | Fort Collins Colorado | Your impact |
|---|---|---|---|
| 1BR rent / month | $1,500Better | $1,700 | $2,400/yr saves in Colorado |
| Median home price | $400KBetter | $520K | — |
| State income tax | 4.4%Better | 4.4% | — |
| Sales tax (combined) | 8% | 7.5%Better | — |
| Monthly utilities | $145 | $140Better | — |
| Groceries index (US = 100) | 98Better | 101 | — |
| Est. healthcare / month | $475Better | $495 | $240/yr saves in Colorado |
| Walk score (0–100) | 30 / 100 | 36 / 100Better | — |
| Overall COL index (100 = US avg) | 95Better | 99 | — |
Complete the Picture
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Mortgages
See what you can afford in Fort Collins
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Home & Auto Insurance
Bundle before you move — save 15–25%
New state means new rates. Lock in Fort Collins homeowners + auto quotes before your move date.
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Frequently asked questions
Which city is better for retirement — Colorado Springs or Fort Collins?
Based on home prices, taxes on retirement income, walkability, and overall cost of living, Colorado Springs scores better for retirees. Median home prices are $400K in Colorado Springs vs $520K in Fort Collins. Colorado Springs is approximately 4% cheaper overall. The best choice still depends on climate, healthcare access, and proximity to family.
Is retirement income taxed in Colorado Springs or Fort Collins?
Fort Collins has the lower state income tax rate (4.4% vs 4.4%). Note that many states exempt Social Security income and some pension income from state taxes even when other income is taxed — check your specific state's retirement tax rules.
What is the estimated monthly healthcare cost in Colorado Springs vs Fort Collins?
Based on national average retiree healthcare spending (~$500/month) scaled by each city's cost-of-living index, estimated monthly healthcare costs are approximately $475 in Colorado Springs and $495 in Fort Collins. That's a difference of ~$20/month, or ~$240/year. Actual costs vary based on your Medicare plan, supplements, and health needs.
Can I afford to retire in Colorado Springs on a $50,000 annual income?
On a $50,000/year ($4,167/month) retirement income in Colorado Springs, rent alone would consume approximately 36% of your budget (1BR rent ~$1,500/mo) and healthcare another ~11%. That leaves roughly 53% (~$2,208/mo) for groceries, transportation, and other expenses. This is tight — a studio apartment or lower-cost neighborhood would help.
Which city is more walkable for retirees?
Fort Collins has a higher walk score (36 vs 30 out of 100). Walkability is increasingly important for retirees who want to reduce car dependence — a score above 70 means most daily errands can be done on foot. Fort Collins offers more independence without a car, which also reduces transportation costs.
$50K/year in Colorado Springs has the same purchasing power as $52K/year in Fort Collins
Healthcare estimates based on national avg retiree spending (~$500/mo) scaled by COL index · State income tax rates from Tax Foundation · Data: Zillow, BLS, Numbeo · Q1 2026