Fort Collins wins overall by ~23% (COL index)
Cost of living: Denver vs Fort Collins (2026)
A $73,500 salary in Denver buys roughly what $59,643 does in Fort Collins (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
−$5,816/yr
Favoring Fort Collins for this income & household (illustrative).
With the extra $485/mo, you could pay down a $15,000 card balance in ~31 months and still keep ~$58/mo for dining out.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Denver Colorado | Fort Collins Colorado | Who wins | Your impact at $74K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $1,600 | $1,350Wins | Fort wins −$250/mo | $3,000/yr saves in Fort |
| 1BR rent/mo | $2,000 | $1,700Wins | Fort wins −$300/mo | $3,600/yr saves in Fort |
| 2BR rent/mo | $2,700 | $2,250Wins | Fort wins −$450/mo | $5,400/yr saves in Fort |
| Median home price | $530K | $520KBetter | Fort wins −$10K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 102 | 101Better | Fort wins -1 | — |
| Budget meal (1 person) | $15 | $14Better | Fort wins −$1/mo | — |
| Mid-range dinner (2) | $65 | $60Better | Fort wins −$5/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $114 | $55Wins | Fort wins −$59/mo | $708/yr saves in Fort |
| Gas price/gal | $3.30Better | $3.40 | Denver wins +$0.10 | — |
| Car insurance/mo | $155 | $140Better | Fort wins −$15/mo | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $140Better | $140 | — | — |
| Internet/mo | $65Better | $65 | — | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $75KBetter | $72K | Denver wins −$3K more/yr | — |
| State income tax% | 4.4%Better | 4.4% | — | — |
| Sales tax (combined)% | 8.8% | 7.5%Wins | Fort wins -1.3 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $16.00 | $15.00Better | Fort wins −$1.00 | — |
| Gym membership/mo | $50 | $42Wins | Fort wins −$8/mo | — |
| Beer at restaurant | $7.00 | $6.50Better | Fort wins −$0.50 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 122 | 99Wins | Fort wins -23 | — |
| Walk score / 100 | 60Wins | 36 | Denver wins -24 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Maximize everyday spend in your new city
Fort Collins fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Fort Collins.
High-yield savings
Park ~$3,600/yr rent savings at 4–5%+ APY
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
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Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
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While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
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Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is Denver cheaper than Fort Collins?
No. Fort Collins is 23% cheaper than Denver based on overall cost of living indices (99 vs 122, where 100 = US average).
What is the average rent in Denver vs Fort Collins?
As of Q1 2026, the median 1-bedroom rent in Denver is $2,000/month and in Fort Collins is $1,700/month. Denver is more expensive by 18%.
How much do I need to earn in Fort Collins to match a $75,000 salary in Denver?
To maintain a similar lifestyle, you would need approximately $60,861/year in Fort Collins to match a $75,000 salary in Denver. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Denver or Fort Collins?
Fort Collins has the lower state income tax rate at 4.4% vs 4.4%. The difference is 0.0 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Denver to Fort Collins?
It depends on your priorities. Fort Collins offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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Salary equivalent: Denver ↔ Fort Collins
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