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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

You'd spend $2.8K/month more in Denver, CO

$150.0K in your current city equals $183.5K in Denver, CO

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
37.2%
More expensive
Monthly Impact
$2,794
Extra cost
Annual Impact
$33.5K
Per year

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

Hot Springs, AR

Population:38K
Cost Index:
100
100 = national average
Median Home:$129K

Denver, CO

Population:716K
Cost Index:
137
(37% above avg)
Median Home:$513K

Hot Springs, AR

The Natural State

38K
Population
State Tax
Yes

Located in Arkansas, this city has a population of 38K residents.

Denver, CO

The Centennial State

716K
Population
State Tax
Yes
Climate
Semi-arid

Notable Facts

  • Mile-high city (5,280 ft)
  • Outdoor recreation hub
  • Major cannabis market

Major Industries

AerospaceTechnologyEnergyTourism

Cost Breakdown by Category

Annual spending: Hot Springs, AR vs Denver, CO

Housing
109.9%
Hot Springs, AR
$1,548
Denver, CO
$3,248
Difference
$1,701
more
Transportation
26.2%
Hot Springs, AR
$1,158
Denver, CO
$1,462
Difference
$303
more
Other
13.7%
Hot Springs, AR
$1,560
Denver, CO
$1,774
Difference
$214
more
Healthcare
24.3%
Hot Springs, AR
$508
Denver, CO
$632
Difference
$124
more
Groceries
13.5%
Hot Springs, AR
$907
Denver, CO
$1,029
Difference
$122
more
All Utilities
1.5%
Hot Springs, AR
$512
Denver, CO
$519
Difference
$7.43
more

🏛️ Local Income Taxes

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

Hot Springs, AR has no local income tax.

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

🏠Rent Comparison

Studio
From$515
To$1,720
$1,205
1 Bed
From$594
To$1,840
$1,246
2 Bed
From$713
To$2,190
$1,477
3 Bed
From$951
To$2,870
$1,919
Denver, COZIP-level data

1BR range: $1,620$2,540/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.

$6,193
Monthly in Hot Springs, AR
$8,665
Monthly in Denver, CO
$2,472
Difference

Home Values

Hot Springs
Denver
-
Median Value
$513K
-
YoY Change
↓ -4.2%
-
5-Year Change
↑ +13%
-
Price Range
$352K - $933K

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$2.4K
Per year
Monthly Difference
$202
More take-home
Effective Rate Diff
1.6%
Rate difference

Hot Springs, AR

Federal Income Tax
Effective: 18.9%
$25.5K
Arkansas State Tax
Effective: 6.0%
$9.0K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.7%
$46.0K
Take-Home Pay
$8,664/month
$104.0K

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

Hot Springs, AR Tax Rates

Sales Tax:9.4%
Property Tax:0.6%

Denver, 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

Hot Springs
Denver
55 Moderate
Air Quality
55 Moderate
34.4%
Good Air Days
35.2%
99 High
Climate Risk
95 High
🌊🌡🫨
Top Hazards
🌊🌪💨
+2.8°F
2050 Outlook
+3.3°F
54 days
Heat Days >95°F
28 days
+2.8°F
2050 Outlook
+3.3°F
54 days
Heat Days >95°F
28 days

What to Consider When Moving from Hot Springs, AR to Denver, CO

Relocating from Hot Springs, AR to Denver, CO involves more than just comparing rent prices. While the overall cost of living is roughly 37% higher in Denver, CO, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Denver, CO is 110% more expensive than in Hot Springs, AR. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Denver, CO pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Denver, CO to match your current standard of living in Hot Springs, AR.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Denver, CO for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Hot Springs, AR vs Denver, CO

Is Denver, CO cheaper than Hot Springs, AR?

Denver, CO is approximately 37.2% more expensive than Hot Springs, AR overall. On a $150,000 salary, that translates to roughly $2,794/month in additional expenses. Housing is the biggest factor, costing 110% more in Denver, CO.

What salary do I need in Denver, CO to match my lifestyle in Hot Springs, AR?

If you currently earn $150,000 in Hot Springs, AR, you would need approximately $183,523 in Denver, CO to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Hot Springs, AR and Denver, CO?

A two-bedroom apartment averages $713/month in Hot Springs, AR compared to $2,190/month in Denver, CO. One-bedroom apartments are $594/month in Hot Springs, AR vs $1,840/month in Denver, CO. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Hot Springs, AR or Denver, CO?

Groceries are about 14% more expensive in Denver, CO than in Hot Springs, AR, which adds roughly $122/month to a typical household budget. This covers common items like produce, dairy, meat, and pantry staples based on BLS consumer expenditure data.

What is the best time to move from Hot Springs, AR to Denver, CO?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

💰 See how taxes change too — compare take-home pay between Arkansas and Colorado on TaxTakeHome.com

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