Fort Collins, CO vs New York, NY: Cost of Living

Which city costs less?

New York, NY has a modeled overall cost index 62.1% higher than Fort Collins, CO.

Fort Collins, CO · modeled 2BR rent: $1,645 / month
New York, NY · modeled 2BR rent: $3,590 / 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 Fort Collins, CO and New York, NY 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 Fort Collins, CO

Numbers update automatically as you type

Estimated extra cost: $5,511/month in New York, NY

$150,000 in your current city has a modeled equivalent of $216,138 in New York, NY

Regional cost estimates: Fort Collins, CO uses Denver, CO. New York, NY uses New York-Newark-Jersey City, NY-NJ-PA Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 62.1%

More expensive

Monthly Impact

$5,511

Extra cost

Annual Impact

$66.1K

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.

Fort Collins, CO

Population:170K

Cost Index:

103.6

100 = national average

Typical Home:$542K

New York, NY

Population:8337K

Cost Index:

168.0

100 = national average

Typical Home:$1.05M

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Fort Collins, CO

The Centennial State

170K

Population

State Tax

Yes

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

New York, NY

The Empire State

8.3M

Population

State Tax

Yes

Climate

Humid subtropical

Notable Facts

•Most populous city in the US
•Major global financial center
•World-renowned cultural hub

Major Industries

FinanceReal EstateTechnologyMedia

Cost Breakdown by Category

Estimated monthly spending: Fort Collins, CO vs New York, NY

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	Fort Collins, CO	New York, NY	Difference	Change
Housing	$2,608/mo	$7,244/mo	↑ $4,636more	177.7%
Other	$1,583/mo	$1,926/mo	↑ $343more	21.7%
Transportation	$1,304/mo	$1,518/mo	↑ $214more	16.4%
Groceries	$946/mo	$1,104/mo	↑ $157more	16.6%
All Utilities	$477/mo	$568/mo	↑ $91.08more	19.1%
Healthcare	$581/mo	$651/mo	↑ $70.44more	12.1%

Housing

↑ 177.7%

Fort Collins, CO

$2,608

New York, NY

$7,244

Difference

$4,636

Other

↑ 21.7%

Fort Collins, CO

$1,583

New York, NY

$1,926

Difference

$343

Transportation

↑ 16.4%

Fort Collins, CO

$1,304

New York, NY

$1,518

Difference

$214

Groceries

↑ 16.6%

Fort Collins, CO

$946

New York, NY

$1,104

Difference

$157

All Utilities

↑ 19.1%

Fort Collins, CO

$477

New York, NY

$568

Difference

$91.08

Healthcare

↑ 12.1%

Fort Collins, CO

$581

New York, NY

$651

Difference

$70.44

🏛️ Local Income Taxes

New York, NY: NYC Income Tax$5,689/yr (3.8%)

Fort Collins, CO has no local income tax recorded in this dataset.

Local taxes are shown separately and are not included in the living-cost totals. Coverage is incomplete; an absent entry does not establish that no tax applies.

🏠Rent Comparison

Studio

From$1,435

To$3,120

↑ $1,685

1 Bed

From$1,455

To$3,270

↑ $1,815

2 Bed

From$1,645

To$3,590

↑ $1,945

3 Bed

From$2,270

To$4,500

↑ $2,230

Fort Collins, COZIP-level data

1BR range: $1,400–$1,690/mo

New York, NYZIP-level data

1BR range: $2,260–$3,990/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 Fort Collins, CO

$13,011

Monthly in New York, NY

$5,511

Difference

Home Values

Fort Collins

New York

$542K

Median Value

$1.05M

↓ -1.3%

YoY Change

↓ -0.1%

↑ +23.2%

5-Year Change

↓ -5.9%

$509K - $574K

Price Range

$471K - $3.49M

Homes in New York are 94% more expensive than Fort Collins

Calculate payment - Fort Collins Calculate payment - New York

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $2.9K

More taxes

Monthly Difference

$245

Less take-home

Effective Rate Diff

2.0%

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

New York, 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

Additional Tax Information

Fort Collins, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

New York, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

💡 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

Fort Collins

New York

55 Moderate

Air Quality

43 Good

35.2%

Good Air Days

65.8%

95 High

Climate Risk

99 High

🌊🌪💨

Top Hazards

🌊🌀🌡

▲+3.3°F

2050 Outlook

▲+2.7°F

28 days

Heat Days >95°F

11 days

▲+3.3°F

2050 Outlook

▲+2.7°F

28 days

Heat Days >95°F

11 days

Before moving from Fort Collins, CO to New York, NY

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

Compare actual homes. Get current quotes in New York, NY for the same bedroom count and included utilities as your home in Fort Collins, CO. 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 Fort Collins to New York moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to New York, NY by cost, housing, population and region.

Frequently Asked Questions: Fort Collins, CO vs New York, NY

How do the cost estimates for Fort Collins, CO and New York, NY compare?

New York, NY has a modeled overall cost index 62.1% higher than Fort Collins, CO. 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 Fort Collins, CO, the model estimates $216,138 in New York, NY. 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 Fort Collins, CO and New York, NY?

The modeled two-bedroom rents are $1,645/month in Fort Collins, CO and $3,590/month in New York, NY. 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 Colorado and New York on TaxTakeHome.com