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Cost of Living Comparison 2026

๐Ÿ“ Elmira, NY โ€” ZIP-level rent data ยท COL adjusted from Newark, NJ area

$

Numbers update automatically as you type

You'd spend $1.8K/month more in Denver, CO

$150.0K in your current city equals $171.8K in Denver, CO

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†‘ 24.2%
More expensive
Monthly Impact
$1,818
Extra cost
Annual Impact
$21.8K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Elmira, NY

Population:26K
Cost Index:100
Median Home:$99K

Denver, CO

Population:716K
Cost Index:124
Median Home:$513K

Elmira, NY

The Empire State

26K
Population
State Tax
Yes

Located in New York, this city has a population of 26K residents.

Denver, CO

The Centennial State

716K
Population
State Tax
Yes
Climate
Semi-arid

Notable Facts

  • โ€ขMile-high city (5,280 ft)
  • โ€ขOutdoor recreation hub
  • โ€ขMajor cannabis market

Major Industries

AerospaceTechnologyEnergyTourism

Cost Breakdown by Category

Annual spending: Elmira, NY vs Denver, CO

๐Ÿ Housing
โ†‘ 94.7%
Elmira, NY
$1,668
Denver, CO
$3,248
Difference
$1,580
more
๐Ÿš—Transportation
โ†‘ 11.6%
Elmira, NY
$1,310
Denver, CO
$1,462
Difference
$151
more
๐Ÿ“ฆOther
โ†‘ 6.9%
Elmira, NY
$1,661
Denver, CO
$1,774
Difference
$114
more
๐Ÿ›’Groceries
โ†‘ 3.4%
Elmira, NY
$995
Denver, CO
$1,029
Difference
$34.02
more
โšกAll Utilities
โ†“ 3.7%
Elmira, NY
$539
Denver, CO
$519
Difference
$20.17
less
๐ŸฅHealthcare
โ†‘ 1.5%
Elmira, NY
$623
Denver, CO
$632
Difference
$9.29
more

๐Ÿ›๏ธ Local Income Taxes

Denver, CO: Denver Head Tax ($5.75/mo, negligible)$69.00/yr (0.0%)

Elmira, NY has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

๐Ÿ Rent Comparison

Studio
From$648
To$1,720
โ†‘ $1,072
1 Bed
From$669
To$1,840
โ†‘ $1,171
2 Bed
From$878
To$2,190
โ†‘ $1,312
3 Bed
From$1,101
To$2,870
โ†‘ $1,769
Elmira, NYZIP-level data

1BR range: $890โ€“$1,040/mo

Denver, COZIP-level data

1BR range: $1,620โ€“$2,540/mo

๐Ÿ’ก Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$6,796
Monthly in Elmira, NY
$8,665
Monthly in Denver, CO
$1,869
Difference

Home Values

Elmira
Denver
$99K
Median Value
$513K
โ†“ -3.9%
YoY Change
โ†“ -4.2%
โ†‘ +31.8%
5-Year Change
โ†‘ +13%
$95K - $165K
Price Range
$352K - $933K

Homes in Denver are 420% more expensive than Elmira

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $2.9K
Per year
Monthly Difference
$245
More take-home
Effective Rate Diff
2.0%
Rate difference

Elmira, NY

Federal Income Tax
Effective: 18.9%
$25.5K
New York State Tax
Effective: 6.4%
$9.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.0%
$46.6K
Take-Home Pay
$8,620/month
$103.4K

Denver, 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

Elmira, NY Tax Rates

Sales Tax:8.8%
Property Tax:1.2%

Denver, CO Tax Rates

Sales Tax:7.8%
Property Tax:0.5%

๐Ÿ’ก 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

Elmira
Denver
N/A
Air Quality
55 Moderate
-
Good Air Days
35.2%
98 High
Climate Risk
95 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒช๐Ÿ’จ
โ–ฒ+2.9ยฐF
2050 Outlook
โ–ฒ+3.3ยฐF
15 days
Heat Days >95ยฐF
28 days
โ–ฒ+2.9ยฐF
2050 Outlook
โ–ฒ+3.3ยฐF
15 days
Heat Days >95ยฐF
28 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between New York and Colorado on TaxTakeHome.com

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