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Cost of Living in
Colorado

Living cost is 4.31% higher than avg
Families spend upto $9,210/mo on avg
Homeowners spend $8,902/mo on avg
Renters spend $4,955/mo on avg

Cost of Living in
Colorado

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A Breakdown of the Cost of Living in Colorado

U.S. Avg.

Colorado

Difference Diff

Home Price

$532,491

$633,798.86

19%

Apartment Rent (per month)

$1,367

$1,713.86

25%

U.S. Avg.

Colorado

Difference Diff

Phone (per month)

$219.4

$197.93

10%

Total Energy (per month)

$200.23

$182.77

U.S. Avg.

Colorado

Difference Diff

Grocery Staples

Corn Flakes (per box)

$6.79

$6.07

11%

Frozen Corn (per bag)

$2.41

$2.63

Frozen Meal (per package)

$4.85

$4.08

16%

Cooking Oil (per bottle)

$6.16

$9.7

57%

Detergent (per bottle)

$19.51

$22.01

13%

Facial Tissues (per box)

$2.85

$2.38

16%

Sweet Peas (per can)

$1.83

$1.64

10%

Sugar (per bag)

$4.66

$5.44

17%

Bread (per loaf)

$3.87

$4.49

16%

Frying Chicken (per lb)

$1.64

$1.63

Meat & Poultry

Chicken (per lb)

$1.71

$1.68

Steak (per lb)

$14.54

$17.87

23%

Sausage (per lb)

$5.23

$5.21

Ground Beef (per lb)

$8.61

$7.87

Snacks & Beverages

Soft Drink (per bottle)

$3.45

$3.15

Potato Chips (per bag)

$5.54

$4.35

21%

Coffee (per lb)

$6.55

$7.96

22%

Fresh Orange Juice (per half gallon)

$5.22

$5.18

Fruits & Vegetables

Peaches (per can)

$4.40

$2.87

35%

Lettuce (per head)

$1.98

$1.82

Bananas (per lb)

$0.64

$0.77

20%

Potatoes (per bag)

$5.58

$5.84

Dairy & Eggs

Parmesan Cheese (per lb)

$4.69

$4.99

Margarine (per lb)

$1.30

$1.54

18%

Eggs (per dozen)

$3.98

$5.17

30%

Whole Milk (per gallon)

$4.08

$5.03

23%

Seafood

Chunk Light Tuna (per can)

$1.22

$1.57

29%

U.S. Avg.

Colorado

Difference Diff

Tire Balance (per tire)

$70.23

$64.86

Gasoline (per gallon)

$2.9

$2.94

U.S. Avg.

Colorado

Difference Diff

Doctor Visit (per visit)

$116.03

$176.56

52%

Dentist Visit (per visit)

$145.11

$125.12

14%

Ibuprofen (per bottle)

$12.38

$11.95

Prescription Drug (per month)

$20.8

$22.37

Optometrist Visit (per visit)

$95.27

$144.95

52%

U.S. Avg.

Colorado

Difference Diff

Women’s Slacks

$35.43

$40.07

13%

Boys’ Jeans

$29.47

$31

Men’s Shirt

$39.36

$38.68

Wine (per bottle)

$7.51

$13.34

78%

Beer (per 6-pack)

$11.17

$11.2

Veterinary Services (per visit)

$65.33

$70.43

Tennis Balls (per pack)

$3.59

$4.11

14%

Yoga (per class)

$12

$19.84

65%

Movie (per ticket)

$11.67

$13.05

12%

Newspaper (per copy)

$19.31

$11.68

39%

Washer Repair (per service)

$109.47

$99.64

Women Slacks

$34.88

$38.31

10%

Boy Jeans

$29.51

$29.73

Man Dress Shirt

$39.05

$38.01

Dry Cleaning (per item)

$13.45

$20.25

51%

Shampoo (per bottle)

$1.55

$1.45

Toothpaste (per tube)

$3.64

$4.34

19%

Beauty Salon (per visit)

$47.5

$49.34

Haircut (per cut)

$27.08

$30.77

14%

Fried Chicken (per serving)

$4.37

$4.97

14%

Pizza (per pizza)

$11.99

$13.41

12%

Hamburger (per serving)

$5.28

$6.2

17%

The overall cost of living in Colorado is 4.31% higher the national average. Housing costs, 19% higher than the US median, are the main driver. Expenses like food, utilities, and transportation stay close to or just above average. To put things into perspective, a budget of $550,000 in Colorado can often secure a comfortable single-family home in Littleton, Parker, or other suburban areas. That same amount might only cover a modest condo or townhouse in pricier cities like Seattle or San Diego, but get you a much larger home or new construction in Houston or Columbus. For most middle-class families, Colorado's costs are manageable, especially when compared to the steep prices in urban centers on the East and West.

Housing is 19% higher than the national average. The average home price in Colorado is $633,798.86, with popular cities like Boulder or Fort Collins priced even higher. A standard 15-20% down payment can easily hit six figures. Moreover, your mortgage payments rise fast once you factor in taxes and fire-zone insurance in foothill areas.
Renting in Colorado is 25.4% higher than average. A one-bedroom home in Colorado costs around $1,600 per month, while two-bedrooms are closer to $1,900. Most urban rentals offer basic amenities like dishwashers and on-site laundry, but features like covered parking or central AC depend on the location.
Utilities in Colorado are 8% lower than the national average. Electricity bills average $182.77 a month, and water and trash come in at $60-$80 combined. High-speed internet costs about $197.93 per month. If you're in a community with an HOA, fees range between $200 and $400 monthly, based on what's included.
Food and groceries are 8% higher the US average. A family of four spends about $1,200 to $1,400 a month, while a single adult can expect to pay $330 to $450. When it comes to grocery staples, milk is $5.03, eggs cost $5.17, and coffee is around $7.96 per 12 oz bag. Farmers' markets are common across the state, offering fresh, locally grown produce, but they're not exactly budget-friendly.
Transportation in colorado costs 0.35% lower with the national average. Gas is $2.94 a gallon, and car insurance averages $217 per month. There are solid public transit options in Denver and Boulder, with monthly RTD passes around $88. Everywhere else, a car is essential, especially in the snow season.
Healthcare in Colorado is 7.67% higher than the national average. A basic doctor's visit is $176.56, while an ER trip can cost more than $2,800 without insurance. Premiums run high, especially in rural counties with fewer providers. Still, Colorado's urban centers offer excellent care and short wait times.
Miscellaneous costs in Colorado are 2.85% higher the US average. Gym memberships range from $75 to $110 per month. A full-season ski pass (Epic or Ikon) starts around $1000. For childcare, budget $1,000 to $1,600 a month for full-time daycare. Weekend trips, concerts, and Rockies games also add up, but so do the joys of mountain- living.

Moving to Colorado? Be prepared for rising costs—but the mountain views and fresh air might just make it worth it! 👉 Next Step: Compare single-family homes in, Colorado.

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Is Living in Colorado Expensive?

No, Colorado isn't extremely expensive, but it's not cheap either. The overall price of living in Colorado is 6% above the national average. Housing costs, 19% higher than the US median, are the main driver. Expenses like food, utilities, and transportation stay close to or just above average.

To put things into perspective, a budget of $550,000 in Colorado can often secure a comfortable single-family home in Littleton, Parker, or other suburban areas. That same amount might only cover a modest condo or townhouse in pricier cities like Seattle or San Diego, but get you a much larger home or new construction in Houston or Columbus. For most middle-class families, Colorado's costs are manageable, especially when compared to the steep prices in urban centers on the East and West.

Housing in Colorado

Housing costs in the Centennial State are 19% higher than the national median, with the average house price in Colorado at $633,798.86. Also, don't forget to budget for property taxes in Colorado, which average 0.48% of the home value-lower than the US average but still a factor for homeowners. While the Front Range cities like Denver and Boulder are more expensive, you can find more affordable housing in areas likePueblo, Greeley, or Grand Junction.

Buying a House in Colorado

For young adults or single individuals, homes in RiNo, Denver or Old Town Fort Collins are high-energy areas with access to jobs and nightlife. Condos and townhomes here cost between $350,000 and $500,000, with mortgage payments around $2,500 to $3,300 per month. Public transit is reliable in metro areas, but parking and space can be limited.
If you're a married couple with young children (under 6), homes in Highlands Ranch, Erie, and Broomfield are popular among young families seeking quiet streets and playgrounds. Homes here run from $550,000 to $700,000, with mortgages ranging from $3,900 to $4,000 per month. Top elementary schools like Summit View and Aspen Creek PK-8 make these areas family-friendly hubs.
If you're a married couple with older children (ages 6–17), homes in Louisville, Littleton, or Fort Collins stand out for their spacious layouts and proximity to strong schools. In these areas, home prices typically range between $600,000 and $800,000, and typical mortgages range from $4,700 to over $6,000 monthly.

Renting a House in Colorado

The average rent in Colorado is 25.4% higher than the national average, with prices varying widely between metro areas, mountain towns, and rural communities. A one-bedroom home in the Centennial State averages $1,600 per month, while a two-bedroom home typically costs around $2,000 a month. In-demand spots like Boulder, Denver, and ski-resort areas drive up rental prices, while cities like Pueblo and Greeley offer more budget-friendly options.

If you're a young adult or single, homes in Baker, Downtown Colorado Springs, or North Boulder offer a mix of social life, co-working spots, and access to public transit. A one-bedroom home in these areas averages $1,600 to $2,100 a month, depending on building age and walkability. Many rentals offer bike storage, gyms, and rooftop decks, but parking may cost extra. RTD light rail in Denver and bus routes in Boulder mean you can get around without a car.
If you're a married couple with young children (under 6), homes in Firestone, Castle Rock, and Berthoud offer suburban comfort without the Denver price tag. You'll find two- and three-bedroom homes between $2,000 and $2,600 a month, with newer developments often including playgrounds and trail access. These neighborhoods are close to preschools, family clinics, and everyday shopping centers. Most areas require a car, but traffic tends to be light.
For families with older children (ages 6 to 17), homes in Windsor, Parker, and Johnstown offer a quieter pace of life and strong community ties. Rent for three- or four-bedroom homes ranges from $2,600 to $3,400 per month. These towns are near top-rated middle and high schools, with large parks, youth sports complexes, and library systems. Many homes come with backyards. However, public transit is limited.
If you're downsizing or retiring, homes in Cañon City, Montrose, and Salida provide slower-paced living and scenic views. A two-bedroom home in these areas rents for $1,400 to $1,900 per month, often in low-rise communities with walkable downtowns. You'll have quick access to clinics, pharmacies, and community centers. These towns tend to have mild traffic and plenty of outdoor activities, but minimal public transportation.
If you're an international student, homes in Fort Collins, Golden, and Greeley are home to major universities like CSU, Colorado School of Mines, and UNC. A three-bedroom home near campus averages $2,400 a month, which you can split three ways. These areas have campus shuttle systems, walkable districts, and easy access to cafés, bookstores, and public libraries. On-campus housing is limited, so many students opt for shared housing just off-campus.

Utilities in Colorado

Food and Groceries in Colorado

Food prices in Colorado are 8% higher than the national average. Whether you're cooking up elk burgers in Boulder or throwing together a quick dinner in Denver, your grocery haul will stretch your wallet a bit more than in most states. So, why are groceries so expensive in Colorado? Blame it on high-altitude logistics, a health-conscious market, and distance from coastal shipping hubs.

Proteins for Family Dinners: A pound of steak comes in at $17.87, while ground beef averages $7.87 per pound. Sausage is $5.21, and a whole chicken remains the most budget-friendly protein, at $1.68 per pound.
Kitchen Essentials: A gallon of milk costs $5.03, and a dozen eggs are $5.17—both up by nearly 10 to 12%. Coffee averages $7.96 per 12 oz bag, while margarine is $1.54, parmesan cheese is $4.99, and sugar (4 lbs) hits $5.44. Fresh orange juice sits around $5.18 per bottle. The cost of these staples adds up quickly, especially for large households or frequent shoppers.
Fruits and Vegetables: Fresh produce fluctuates with the season and your location. Bananas cost $0.77 each, which is slightly above the US average. Romaine lettuce is $1.82 per head, and peaches, mangoes, and papayas range from 15% to 20% above national prices, depending on the time of year. While summer markets in cities like Fort Collins offer local deals, off-season produce often comes at a premium.
Snacks and Frozen Meals: If you rely on frozen foods and snacks, brace yourself. Potato chips average $4.35 per bag, and frozen peas are $4 per bag, both above national averages. Frozen corn sits at $2.63, about 5% higher than average. Convenience costs more in Colorado, especially at organic grocers or ski-town supermarkets.
Other Grocery Expenses: Non-edibles are no exception. Cooking oil costs $9.70 per bottle, and facial tissues come in at $2.38. Laundry detergent is $22.01, and paper towels (6-pack) go for $7.40. Dish soap costs $4.25, while trash bags (30CT) cost $6.80—a few percentage points above the national average. Not outrageous, but it adds to your monthly bottom line.

Transportation in Colorado

Healthcare in Colorado

Healthcare in Colorado is 7.67% higher than the national average, one of the steepest marks across major spending categories. Whether it's the state's growing population, its top-tier medical facilities, or the high-altitude living, medical services don't come cheap.

Doctor Visit - $176.56+ per visit: A general check-up with a primary care physician in Colorado averages $160 per visit. That includes routine concerns like allergies, infections, or prescription refills. If you're seeing a specialist-say, a dermatologist for high-altitude dry patches, or a cardiologist for hypertension-expect to pay more depending on the provider and location.
Dentist Visit - $125.12+ per visit: A standard dental cleaning in Colorado will set you back about $125, which is about 9% higher than the national average. Fillings cost $160 to $210, and a basic set of X-rays or fluoride treatments might add another $30 to $60. Compared to places like Los Angeles or New York, Colorado sits on the pricier end, but access to skilled professionals and well-rated clinics helps balance out the cost.
Optometrist Visit - $144.95+ per visit: Eye exams in Colorado come in at $140 on average, just above the national median. That includes vision testing and basic prescription updates. If you're considering contact lenses or treatment for dry eye (a common high-altitude complaint), you could pay $50 to $120 more per visit.
Prescription Drugs - $22.37+ per package: Without insurance, medications can get expensive. A 30-day supply of Lisinopril for high blood pressure may cost $18 to $25, while Metformin for type 2 diabetes can be $20 to $40. Short-term antibiotics like Amoxicillin average $25 to $35 per package. Independent pharmacies and mail-order services can help cut costs, but you'll want to shop around.
Over-the-Counter Meds - $11.95+ per package: Expect to pay $11 to $14 for essentials like ibuprofen, allergy relief, or cold/flu meds. If you're battling seasonal allergies (which hit hard in Denver and Boulder), OTC meds can become a regular expense. Keep your medicine cabinet stocked; you'll need it during pollen season and sudden snowstorms alike.

Despite its outdoor culture and health-oriented mindset, Colorado's healthcare costs mirror those in high-cost cities like San Francisco and Seattle, rather than more affordable markets like Miami. The silver lining? Many Coloradans report shorter wait times and better access to high-quality providers, especially in metro areas like Denver and Fort Collins.
Given the steep out-of-pocket rates, having health insurance is crucial. The average premium for individual coverage in Colorado falls between $500* and $913* per month, depending on age, plan type, and coverage levels.

*Disclaimer: These figures are averages and can vary based on individual circumstances and specific insurance providers. It's recommended to compare plans and consult with insurance professionals to find the best coverage for your needs.

Miscellaneous Costs in Colorado

The state's miscellaneous expenses are 2.85% higher than the national average. You may be able to keep up with living expenses in Colorado, but everyday extras-like weekend outings, grooming, or your dog's surprise vet visits-can quietly chip away at your budget.

Food and Drinks: Colorado's food scene ranges from mountain-town diners to Denver's hip gastropubs. A basic burger sets you back $6.20, while a sit-down meal at a casual restaurant can cost $28 to $35 per person. You could spend $3.75 to $6 on a taco, depending on the joint. A slice of pizza averages $13.41, and sushi rolls are in the $13 to $20 range. Coffee lovers can expect to pay $7.96 for a brewed cup, and craft beer, practically a state sport here, is $5 to $8 per pint.
Personal Care and Grooming: Looking good in Colorado means balancing rugged and refined. A basic haircut costs $30.77, and salon visits for shampoo and styling hover around $49.34. Skincare treatments fall between $65 and $125 per session, while manicures are typically $5. Spa massages start at $80, especially in wellness hubs like Boulder or Aspen.
Clothing and Laundry: Thanks to the state's four seasons, layering is non-negotiable. A dress shirt costs around $38.68, while a decent pair of jeans goes for $31.00. Dry cleaning a standard outfit averages $17.25 per load, but doing laundry at home is always easier on your wallet. Outdoor-ready gear (think fleece and hiking boots) might cost more upfront, but it's essential for life in Colorado.
Fitness and Entertainment: A yoga class costs $19.84, while a movie ticket will set you back $13.05. Luckily, Colorado's natural beauty offers plenty of fresh air and free outdoor activities. You can hike through Garden of the Gods, bike the trails in Fort Collins, or hit the slopes-provided you've already invested in the gear and lift passes.
Pet-Related Expenses: A vet visit costs $13.05, but emergency care can easily surpass $500. Colorado is incredibly pet-friendly, with no shortage of off-leash trails and dog parks. Whether you're visiting Chatfield State Park's off-leash dog area or strolling around Washington Park in Denver, your pet won't be bored-and neither will you.

What Salary Do You Need to Live in Colorado?

The average salary in Colorado is 4.31% higher. But between rising housing prices, childcare, and groceries, you may need to out-earn that figure to live comfortably in the Centennial State.

Homeowners spend $106,822.00 per year: This amount covers mortgage payments, property taxes, Colorado utilities, insurance, groceries, transportation, and healthcare. Living in cities like Boulder or Fort Collins pushes this figure even higher due to elevated housing costs and fire-zone insurance premiums.

Renters spend $59,455.00 per year: Monthly rent, food, transportation, internet, and other essentials add up quickly. Urban areas like Denver or resort towns demand more than smaller cities such as Greeley or Pueblo, but even affordable regions require careful budgeting.

Families with kids spend $110,520.00 per year: With childcare, a larger home, medical care, and extracurriculars in the mix, this household type sees the highest average Colorado living expenses. From diapers to driving lessons, raising kids in Colorado means aiming well above the state's average income.

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What is a Cost of Living Calculator?

A cost of living calculator helps you compare the expenses required to live in a different location. The calculator factors in various living expenses like housing, food, utilities, transportation, fitness, and entertainment, etc., and helps you estimate how much salary you need to live in that city. Since the cost of goods and services varies in different cities, a Colorado cost of living calculator can help you make the decision to move to this city or not.

About Cost of Living Data

The data used to determine Colorado's cost of living is sourced from the Council for Community and Economic Research (C2ER). Published since 1968, COLI data is recognized by the U.S. Census Bureau and the Bureau of Labor Statistics. This organization regularly updates its data to offer a detailed and well-researched view of living expenses in cities across the country. An independent Advisory Board reviews C2ER’s data collection methodologies and quarterly publications to ensure consistency and quality. For more information, visit www.coli.org. Data published as of Oct 2025.

Frequently Asked Questions

How much is gas in Colorado?

The cost of gas in Colorado averages $2.94 per gallon. Prices tend to climb during holiday travel seasons, or when wildfires impact supply routes. Plus, traffic congestion around Denver's I-25 and I-70 corridors can lead to longer commutes and more frequent fill-ups.

Is Colorado a good place to live?

Yes, Colorado is a great place to live if you value outdoor activities, four distinct seasons, and a robust, diversified job market. The state is home to excellent healthcare facilities like UCHealth in Aurora, and strong school districts in Boulder and Highlands Ranch. Whether you're drawn to the energy of big cities or the charm of scenic mountain towns, Colorado has something for everyone.

What is the cost of living in Colorado?

The average cost of living in Colorado per month is 4.31% higher than the national average. Expensive areas include Denver and Boulder, while smaller towns like Pueblo and Grand Junction offer more affordable housing options.

What is the average rent in Colorado?

A one-bedroom apartment in Colorado typically rents for $1,713.86 per month. Neighborhoods close to downtown Denver or Boulder command higher prices, thanks to amenities like fitness centers, pet-friendly policies, and proximity to public transit.

How much is a two-bedroom home in Colorado?

A two-bedroom home in Colorado costs over $2,200 per month. Expect to pay more for units with mountain views or luxury features in areas like Cherry Creek or LoDo in Denver.

What is the average price of utilities in Colorado?

The average cost of utilities in Colorado ranges from $390 to $570 per month. This covers electricity, water, heating, and trash. Heating costs tend to rise significantly during Colorado's chilly winters.

How much is childcare in Colorado?

If you're moving to Colorado with young kids, set aside $1,000 to $1,600 per month on childcare for a toddler. Costs run higher in urban hubs like Denver and Boulder, while more suburban or rural areas tend to be less expensive.