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Cost of Living Comparison 2026

๐Ÿ“ Gardner, KS โ€” ZIP-level rent data ยท COL adjusted from Kansas City, MO area

$

Numbers update automatically as you type

You'd spend $2.3K/month more in Denver, CO

$150.0K in your current city equals $177.4K in Denver, CO

Rent data from HUD ZIP-level estimates ยท COL index from Kansas City, MO-KS area
Overall Cost
โ†‘ 30.4%
More expensive
Monthly Impact
$2,280
Extra cost
Annual Impact
$27.4K
Per year

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

Gardner, KS

Population:25K
Cost Index:100
Median Home:$343K

Denver, CO

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

Gardner, KS

The Sunflower State

25K
Population
State Tax
Yes

Located in Kansas, this city has a population of 25K 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: Gardner, KS vs Denver, CO

๐Ÿ Housing
โ†‘ 82.9%
Gardner, KS
$1,776
Denver, CO
$3,248
Difference
$1,473
more
๐Ÿš—Transportation
โ†‘ 28.3%
Gardner, KS
$1,139
Denver, CO
$1,462
Difference
$322
more
๐Ÿ“ฆOther
โ†‘ 17.8%
Gardner, KS
$1,506
Denver, CO
$1,774
Difference
$268
more
๐Ÿ›’Groceries
โ†‘ 12.0%
Gardner, KS
$919
Denver, CO
$1,029
Difference
$110
more
๐ŸฅHealthcare
โ†‘ 7.5%
Gardner, KS
$588
Denver, CO
$632
Difference
$44.14
more
โšกAll Utilities
โ†‘ 0.1%
Gardner, KS
$518
Denver, CO
$519
Difference
$0.68
more

๐Ÿ›๏ธ Local Income Taxes

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

Gardner, KS 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$948
To$1,720
โ†‘ $772
1 Bed
From$1,036
To$1,840
โ†‘ $804
2 Bed
From$1,179
To$2,190
โ†‘ $1,011
3 Bed
From$1,538
To$2,870
โ†‘ $1,332
Gardner, KSZIP-level data

1BR range: $1,300โ€“$1,300/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.

$6,447
Monthly in Gardner, KS
$8,665
Monthly in Denver, CO
$2,218
Difference

Home Values

Gardner
Denver
$343K
Median Value
$513K
โ†‘ +3.2%
YoY Change
โ†“ -4.2%
โ†‘ +33.2%
5-Year Change
โ†‘ +13%
$343K
Price Range
$352K - $933K

Homes in Denver are 50% more expensive than Gardner

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $1.8K
Per year
Monthly Difference
$152
More take-home
Effective Rate Diff
1.2%
Rate difference

Gardner, KS

Federal Income Tax
Effective: 18.9%
$25.5K
Kansas State Tax
Effective: 5.6%
$8.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.3%
$45.4K
Take-Home Pay
$8,714/month
$104.6K

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

Gardner, KS Tax Rates

Sales Tax:8.7%
Property Tax:1.3%

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

Gardner
Denver
46 Good
Air Quality
55 Moderate
59.3%
Good Air Days
35.2%
97 High
Climate Risk
95 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒช๐Ÿ’จ
โ–ฒ+3.3ยฐF
2050 Outlook
โ–ฒ+3.3ยฐF
44 days
Heat Days >95ยฐF
28 days
โ–ฒ+3.3ยฐF
2050 Outlook
โ–ฒ+3.3ยฐF
44 days
Heat Days >95ยฐF
28 days

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

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