Is Miami, FL cheaper than Fort Collins, CO?

Based on cost of living data, Miami, FL is 20.1% more expensive than Fort Collins, CO. This translates to spending an extra $1507 per month.

What salary do I need in Miami, FL to live like I do in Fort Collins, CO?

If you earn $150,000 in Fort Collins, CO, you'd need approximately $168,078.089 in Miami, FL to maintain the same standard of living.

How does housing cost compare between Fort Collins, CO and Miami, FL?

Housing in Miami, FL is 35.6% more expensive than in Fort Collins, CO. For a two-bedroom apartment, rent is $2,660/month in Miami, FL compared to $1,302/month in Fort Collins, CO.

How much can I save per month by moving from Fort Collins, CO to Miami, FL?

Living in Miami, FL costs approximately $1507 more per month than Fort Collins, CO, or $18078 more per year, based on a $150,000 salary.

Fort Collins, CO vs Miami, FL: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Fort Collins, CO

Numbers update automatically as you type

You'd spend $1.5K/month more in Miami, FL

$150.0K in your current city equals $168.1K in Miami, FL

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 20.1%

More expensive

Monthly Impact

$1,507

Extra cost

Annual Impact

$18.1K

Per year

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

Fort Collins, CO

Population:170K

Cost Index:

100

100 = national average

Median Home:$542K

Miami, FL

Population:442K

Cost Index:

120

(20% above avg)

Median Home:$510K

Fort Collins, CO

The Centennial State

170K

Population

State Tax

Yes

Located in Colorado, this city has a population of 170K residents.

Miami, FL

The Sunshine State

442K

Population

State Tax

No Income Tax

Climate

Tropical

Notable Facts

•Gateway to Latin America
•Major cruise port
•International business hub

Major Industries

International TradeTourismFinanceReal Estate

Cost Breakdown by Category

Annual spending: Fort Collins, CO vs Miami, FL

Category	Fort Collins, CO	Miami, FL	Difference	Change
Housing	$2,722/mo	$3,690/mo	↑ $968more	35.6%
Other	$1,652/mo	$2,093/mo	↑ $440more	26.6%
Transportation	$1,361/mo	$1,462/mo	↑ $101more	7.4%
Groceries	$993/mo	$1,079/mo	↑ $86.03more	8.7%
Healthcare	$610/mo	$589/mo	↓ $21.23less	3.5%
All Utilities	$501/mo	$519/mo	↑ $18.19more	3.6%

Housing

↑ 35.6%

Fort Collins, CO

$2,722

Miami, FL

$3,690

Difference

$968

Other

↑ 26.6%

Fort Collins, CO

$1,652

Miami, FL

$2,093

Difference

$440

Transportation

↑ 7.4%

Fort Collins, CO

$1,361

Miami, FL

$1,462

Difference

$101

Groceries

↑ 8.7%

Fort Collins, CO

$993

Miami, FL

$1,079

Difference

$86.03

Healthcare

↓ 3.5%

Fort Collins, CO

$610

Miami, FL

$589

Difference

$21.23

less

All Utilities

↑ 3.6%

Fort Collins, CO

$501

Miami, FL

$519

Difference

$18.19

🏠Rent Comparison

Studio

From$1,136

To$1,995

↑ $859

1 Bed

From$1,152

To$2,180

↑ $1,028

2 Bed

From$1,302

To$2,660

↑ $1,358

3 Bed

From$1,797

To$3,415

↑ $1,618

Fort Collins, COZIP-level data

1BR range: $1,400–$1,690/mo

Miami, FLZIP-level data

1BR range: $1,550–$2,990/mo

💡 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.

$7,839

Monthly in Fort Collins, CO

$9,431

Monthly in Miami, FL

$1,592

Difference

Home Values

Fort Collins

Miami

$542K

Median Value

$510K

↓ -1.3%

YoY Change

↓ -3.6%

↑ +23.2%

5-Year Change

↑ +49.4%

$509K - $574K

Price Range

$278K - $1.53M

Homes in Miami are 6% less expensive than Fort Collins

Calculate payment - Fort Collins Calculate payment - Miami

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $6.6K

Per year

Monthly Difference

$550

More take-home

Effective Rate Diff

4.4%

Rate difference

Fort Collins, 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

Miami, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Fort Collins, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

Miami, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

💡 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.