Cathedral City, CA vs Commerce City, CO: Cost of Living

Which city costs less?

Commerce City, CO has a modeled overall cost index 1.3% lower than Cathedral City, CA.

Cathedral City, CA · modeled 2BR rent: $2,140 / month
Commerce City, CO · modeled 2BR rent: $1,930 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Cathedral City, CA and Commerce City, CO using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Cathedral City, CA

Numbers update automatically as you type

Estimated savings: $454/month in Commerce City, CO

$150,000 in your current city has a modeled equivalent of $144,547 in Commerce City, CO

Regional cost estimates: Cathedral City, CA uses San Bernardino, CA. Commerce City, CO uses Denver, CO. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 1.3%

Less expensive

Monthly Impact

$454

Savings

Annual Impact

$5.5K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Cathedral City, CA

Population:52K

Cost Index:

105.8

100 = national average

Typical Home:$477K

Commerce City, CO

Population:68K

Cost Index:

104.4

100 = national average

Typical Home:$470K

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Cathedral City, CA

The Golden State

52K

Population

State Tax

Yes

Located in California, this city has a population of 52K residents.

Commerce City, CO

The Centennial State

68K

Population

State Tax

Yes

Located in Colorado, this city has a population of 68K residents.

Cost Breakdown by Category

Estimated monthly spending: Cathedral City, CA vs Commerce City, CO

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Cathedral City, CA	Commerce City, CO	Difference	Change
Transportation	$1,869/mo	$1,226/mo	↓ $643less	34.4%
Housing	$2,330/mo	$2,453/mo	↑ $123more	5.3%
Other	$1,421/mo	$1,489/mo	↑ $67.71more	4.8%
Healthcare	$483/mo	$544/mo	↑ $61.73more	12.8%
All Utilities	$488/mo	$447/mo	↓ $40.67less	8.3%
Groceries	$909/mo	$886/mo	↓ $23.01less	2.5%

Transportation

↓ 34.4%

Cathedral City, CA

$1,869

Commerce City, CO

$1,226

Difference

$643

less

Housing

↑ 5.3%

Cathedral City, CA

$2,330

Commerce City, CO

$2,453

Difference

$123

Other

↑ 4.8%

Cathedral City, CA

$1,421

Commerce City, CO

$1,489

Difference

$67.71

Healthcare

↑ 12.8%

Cathedral City, CA

$483

Commerce City, CO

$544

Difference

$61.73

All Utilities

↓ 8.3%

Cathedral City, CA

$488

Commerce City, CO

$447

Difference

$40.67

less

Groceries

↓ 2.5%

Cathedral City, CA

$909

Commerce City, CO

$886

Difference

$23.01

less

🏠Rent Comparison

Studio

From$1,650

To$1,480

↓ $170

1 Bed

From$1,730

To$1,620

↓ $110

2 Bed

From$2,140

To$1,930

↓ $210

3 Bed

From$2,830

To$2,520

↓ $310

Cathedral City, CAZIP-level data

1BR range: $1,730–$1,730/mo

Commerce City, COZIP-level data

1BR range: $1,620–$1,620/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Cathedral City, CA

$7,046

Monthly in Commerce City, CO

$454

Difference

Home Values

Cathedral City

Commerce City

$477K

Median Value

$470K

↓ -4.9%

YoY Change

↓ -4.3%

↑ +30.9%

5-Year Change

↑ +18.2%

Homes in Commerce City are 2% less expensive than Cathedral City

Calculate payment - Cathedral City Calculate payment - Commerce City

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $4.0K

Per year

Monthly Difference

$336

More take-home

Effective Rate Diff

2.7%

Rate difference

Cathedral City, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

Commerce City, CO

Federal Income Tax

Effective: 18.9%

$25.5K

Colorado State Tax

Effective: 4.4%

$6.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.1%

$43.6K

Take-Home Pay

$8,866/month

$106.4K

Additional Tax Information

Cathedral City, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Commerce City, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Cathedral City

Commerce City

87 Moderate

Air Quality

55 Moderate

10.9%

Good Air Days

35.2%

100 Very High

Climate Risk

95 High

🔥🌊🌡

Top Hazards

🌊🌪💨

▲+3.0°F

2050 Outlook

▲+3.3°F

100 days

Heat Days >95°F

28 days

▲+3.0°F

2050 Outlook

▲+3.3°F

100 days

Heat Days >95°F

28 days

Before moving from Cathedral City, CA to Commerce City, CO

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Commerce City, CO for the same bedroom count and included utilities as your home in Cathedral City, CA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Cathedral City to Commerce City moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Commerce City, CO by cost, housing, population and region.

Frequently Asked Questions: Cathedral City, CA vs Commerce City, CO

How do the cost estimates for Cathedral City, CA and Commerce City, CO compare?

Commerce City, CO has a modeled overall cost index 1.3% lower than Cathedral City, CA. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Cathedral City, CA, the model estimates $144,547 in Commerce City, CO. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Cathedral City, CA and Commerce City, CO?

The modeled two-bedroom rents are $2,140/month in Cathedral City, CA and $1,930/month in Commerce City, CO. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between California and Colorado on TaxTakeHome.com