Ferndale, CA vs Pagosa Springs, CO: Cost of Living

Which city costs less?

Pagosa Springs, CO has a modeled overall cost index 2.4% lower than Ferndale, CA.

Ferndale, CA · modeled 2BR rent
$1,520 / month
Pagosa Springs, CO · modeled 2BR rent
$1,340 / 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

Adjust your income and compare the budget ↓
Tap to swap

Cost of Living Comparison 2026

Compare Ferndale, CA and Pagosa Springs, 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

$
Numbers update automatically as you type

Estimated savings: $309/month in Pagosa Springs, CO

$150,000 in your current city has a modeled equivalent of $146,297 in Pagosa Springs, CO

Regional cost estimates: Ferndale, CA uses Sacramento, CA. Pagosa Springs, CO uses Albuquerque, NM. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 2.4%
Less expensive
Monthly Impact
$309
Savings
Annual Impact
$3.7K
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.

Ferndale, CA

Population:1K
Cost Index:
77.2
100 = national average
Typical Home:$499K

Pagosa Springs, CO

Population:2K
Cost Index:
75.4
100 = national average
Typical Home:$552K

Planning the move to Pagosa Springs?

Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.

Plan my move with the free checklist

Ferndale, CA

The Golden State

1K
Population
State Tax
Yes

Located in California, this city has a population of 1K residents.

Pagosa Springs, CO

The Centennial State

2K
Population
State Tax
Yes

Located in Colorado, this city has a population of 2K residents.

Cost Breakdown by Category

Estimated monthly spending: Ferndale, CA vs Pagosa Springs, 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.

Housing
↓ 25.0%
Ferndale, CA
$2,675
Pagosa Springs, CO
$2,007
Difference
$668
less
Other
↑ 14.6%
Ferndale, CA
$1,467
Pagosa Springs, CO
$1,681
Difference
$215
more
Transportation
↑ 13.3%
Ferndale, CA
$1,152
Pagosa Springs, CO
$1,305
Difference
$153
more
Healthcare
↓ 3.5%
Ferndale, CA
$619
Pagosa Springs, CO
$597
Difference
$21.76
less
All Utilities
↑ 4.0%
Ferndale, CA
$529
Pagosa Springs, CO
$550
Difference
$21.11
more
Groceries
↓ 0.7%
Ferndale, CA
$1,058
Pagosa Springs, CO
$1,050
Difference
$7.44
less

🏠Rent Comparison

Studio
From$1,090
To$1,140
↑ $50.00
1 Bed
From$1,160
To$1,140
↓ $20.00
2 Bed
From$1,520
To$1,340
↓ $180
3 Bed
From$2,110
To$1,860
↓ $250
Ferndale, CAZIP-level data

1BR range: $1,160–$1,160/mo

Pagosa Springs, COZIP-level data

1BR range: $1,140–$1,140/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 Ferndale, CA
$7,191
Monthly in Pagosa Springs, CO
$309
Difference

Home Values

Ferndale
Pagosa Springs
$499K
Median Value
$552K
↓ -4.6%
YoY Change
↑ +0.2%
↓ -9.9%
5-Year Change
↑ +41.6%

Homes in Pagosa Springs are 11% more expensive than Ferndale

Calculate payment - FerndaleCalculate payment - Pagosa Springs

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

Ferndale, 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

Pagosa Springs, 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

Ferndale, CA Tax Rates

Sales Tax:10.5%
Property Tax:0.8%

Pagosa Springs, 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

Ferndale
Pagosa Springs
51 Moderate
Air Quality
61 Moderate
49.7%
Good Air Days
27.3%
98 High
Climate Risk
94 High
🌊☀🫨
Top Hazards
🌊
▲+2.4°F
2050 Outlook
▲+3.0°F
69 days
Heat Days >95°F
63 days
▲+2.4°F
2050 Outlook
▲+3.0°F
69 days
Heat Days >95°F
63 days

Before moving from Ferndale, CA to Pagosa Springs, CO

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

  1. Compare actual homes. Get current quotes in Pagosa Springs, CO for the same bedroom count and included utilities as your home in Ferndale, CA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. 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.
  3. 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.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Ferndale to Pagosa Springs moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Ferndale, CA vs Pagosa Springs, CO

How do the cost estimates for Ferndale, CA and Pagosa Springs, CO compare?

Pagosa Springs, CO has a modeled overall cost index 2.4% lower than Ferndale, 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 Ferndale, CA, the model estimates $146,297 in Pagosa Springs, 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 Ferndale, CA and Pagosa Springs, CO?

The modeled two-bedroom rents are $1,520/month in Ferndale, CA and $1,340/month in Pagosa Springs, 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

Want to compare different cities?

New Comparison