MoveNumbers
Tap to swap

Cost of Living Comparison 2026

๐Ÿ“ Florence, KY โ€” ZIP-level rent data ยท COL adjusted from Cincinnati, OH area

$

Numbers update automatically as you type

You'd spend $2.2K/month more in Denver, CO

$150.0K in your current city equals $176.9K in Denver, CO

Rent data from HUD ZIP-level estimates ยท COL index from Cincinnati, OH-KY-IN area
Overall Cost
โ†‘ 29.9%
More expensive
Monthly Impact
$2,244
Extra cost
Annual Impact
$26.9K
Per year

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

Florence, KY

Population:33K
Cost Index:100
Median Home:$270K

Denver, CO

Population:716K
Cost Index:130
Median Home:$513K

Florence, KY

The Bluegrass State

33K
Population
State Tax
Yes

Located in Kentucky, this city has a population of 33K 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: Florence, KY vs Denver, CO

๐Ÿ Housing
โ†‘ 82.5%
Florence, KY
$1,780
Denver, CO
$3,248
Difference
$1,468
more
๐Ÿš—Transportation
โ†‘ 26.4%
Florence, KY
$1,157
Denver, CO
$1,462
Difference
$305
more
๐Ÿ“ฆOther
โ†‘ 16.1%
Florence, KY
$1,529
Denver, CO
$1,774
Difference
$246
more
๐Ÿ›’Groceries
โ†‘ 14.8%
Florence, KY
$897
Denver, CO
$1,029
Difference
$133
more
๐ŸฅHealthcare
โ†‘ 14.9%
Florence, KY
$550
Denver, CO
$632
Difference
$82.04
more
โšกAll Utilities
โ†‘ 14.6%
Florence, KY
$453
Denver, CO
$519
Difference
$66.08
more

๐Ÿ›๏ธ Local Income Taxes

Florence, KY: Florence Occupational Tax$3,000/yr (2.0%)
Denver, CO: Denver Head Tax ($5.75/mo, negligible)$69.00/yr (0.0%)
Net difference-$2,931/yr

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

๐Ÿ Rent Comparison

Studio
From$890
To$1,720
โ†‘ $830
1 Bed
From$978
To$1,840
โ†‘ $862
2 Bed
From$1,261
To$2,190
โ†‘ $929
3 Bed
From$1,666
To$2,870
โ†‘ $1,204
Florence, KYZIP-level data

1BR range: $1,210โ€“$1,210/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.

$6,365
Monthly in Florence, KY
$8,665
Monthly in Denver, CO
$2,300
Difference

Home Values

Florence
Denver
$270K
Median Value
$513K
โ†‘ +0.4%
YoY Change
โ†“ -4.2%
โ†‘ +28.9%
5-Year Change
โ†‘ +13%
$270K
Price Range
$352K - $933K

Homes in Denver are 90% more expensive than Florence

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $900
Per year
Monthly Difference
$75.00
More take-home
Effective Rate Diff
0.6%
Rate difference

Florence, KY

Federal Income Tax
Effective: 18.9%
$25.5K
Kentucky State Tax
Effective: 5.0%
$7.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.7%
$44.5K
Take-Home Pay
$8,791/month
$105.5K

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

Florence, KY Tax Rates

Sales Tax:6.0%
Property Tax:0.9%

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

Florence
Denver
52 Moderate
Air Quality
55 Moderate
44.8%
Good Air Days
35.2%
96 High
Climate Risk
95 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒช๐Ÿ’จ
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+3.3ยฐF
29 days
Heat Days >95ยฐF
28 days
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+3.3ยฐF
29 days
Heat Days >95ยฐF
28 days

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

Similar cost to Denver, CO

Other cities in a similar price range

Want to compare different cities?

New Comparison