Is Denver, CO cheaper than Laguna Niguel, CA?

Based on cost of living data, Denver, CO is 37.1% cheaper than Laguna Niguel, CA. This translates to saving $2779 per month.

What salary do I need in Denver, CO to live like I do in Laguna Niguel, CA?

If you earn $150,000 in Laguna Niguel, CA, you'd need approximately $116,648.939 in Denver, CO to maintain the same standard of living.

How does housing cost compare between Laguna Niguel, CA and Denver, CO?

Housing in Denver, CO is 50.4% cheaper than in Laguna Niguel, CA. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $3,193/month in Laguna Niguel, CA.

How much can I save per month by moving from Laguna Niguel, CA to Denver, CO?

Moving from Laguna Niguel, CA to Denver, CO could save you approximately $2779 per month, or $33351 per year, based on a $150,000 salary.

Laguna Niguel, CA vs Denver, CO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Laguna Niguel, CA — ZIP-level rent data · COL adjusted from Irvine, CA area

Current salary in Laguna Niguel, CA

Numbers update automatically as you type

You'd save $2.8K/month moving to Denver, CO

$150.0K in your current city equals $116.6K in Denver, CO

Rent data from HUD ZIP-level estimates · COL index from Riverside-San Bernardino-Ontario, CA area

Overall Cost

↓ 37.1%

Less expensive

Monthly Impact

$2,779

Savings

Annual Impact

$33.4K

Per year

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

Laguna Niguel, CA

Population:63K

Cost Index:100

Median Home:$2.18M

Denver, CO

Population:716K

Cost Index:63

Median Home:$513K

Laguna Niguel, CA

The Golden State

63K

Population

State Tax

Yes

Located in California, this city has a population of 63K 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: Laguna Niguel, CA vs Denver, CO

Category	Laguna Niguel, CA	Denver, CO	Difference	Change
🏠Housing	$6,549/mo	$3,248/mo	↓ $3,300less	50.4%
🚗Transportation	$2,084/mo	$1,462/mo	↓ $622less	29.9%
📦Other	$1,665/mo	$1,774/mo	↑ $110more	6.6%
🏥Healthcare	$542/mo	$632/mo	↑ $90.13more	16.6%
⚡All Utilities	$548/mo	$519/mo	↓ $28.56less	5.2%
🛒Groceries	$1,021/mo	$1,029/mo	↑ $8.08more	0.8%

🏠Housing

↓ 50.4%

Laguna Niguel, CA

$6,549

Denver, CO

$3,248

Difference

$3,300

less

🚗Transportation

↓ 29.9%

Laguna Niguel, CA

$2,084

Denver, CO

$1,462

Difference

$622

less

📦Other

↑ 6.6%

Laguna Niguel, CA

$1,665

Denver, CO

$1,774

Difference

$110

🏥Healthcare

↑ 16.6%

Laguna Niguel, CA

$542

Denver, CO

$632

Difference

$90.13

⚡All Utilities

↓ 5.2%

Laguna Niguel, CA

$548

Denver, CO

$519

Difference

$28.56

less

🛒Groceries

↑ 0.8%

Laguna Niguel, CA

$1,021

Denver, CO

$1,029

Difference

$8.08

🏛️ Local Income Taxes

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

Laguna Niguel, CA 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$2,647

To$1,720

↓ $927

1 Bed

From$2,708

To$1,840

↓ $868

2 Bed

From$3,193

To$2,190

↓ $1,003

3 Bed

From$4,333

To$2,870

↓ $1,463

Laguna Niguel, CAZIP-level data

1BR range: $3,260–$3,340/mo

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.

$12,408

Monthly in Laguna Niguel, CA

$8,665

Monthly in Denver, CO

$3,743

Difference

Home Values

Laguna Niguel

Denver

$2.18M

Median Value

$513K

↑ +1.5%

YoY Change

↓ -4.2%

↑ +55.7%

5-Year Change

↑ +13%

$1.43M - $2.93M

Price Range

$352K - $933K

Homes in Denver are 77% less expensive than Laguna Niguel

Calculate payment - Laguna Niguel Calculate payment - Denver

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $4.0K

Per year

Monthly Difference

$336

More take-home

Effective Rate Diff

2.7%

Rate difference

Laguna Niguel, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

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

Laguna Niguel, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

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.