Is Denver, CO cheaper than Lake Oswego, OR?

Based on cost of living data, Denver, CO is 10.0% cheaper than Lake Oswego, OR. This translates to saving $747 per month.

What salary do I need in Denver, CO to live like I do in Lake Oswego, OR?

If you earn $150,000 in Lake Oswego, OR, you'd need approximately $141,039.446 in Denver, CO to maintain the same standard of living.

How does housing cost compare between Lake Oswego, OR and Denver, CO?

Housing in Denver, CO is 18.3% cheaper than in Lake Oswego, OR. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $1,833/month in Lake Oswego, OR.

How much can I save per month by moving from Lake Oswego, OR to Denver, CO?

Moving from Lake Oswego, OR to Denver, CO could save you approximately $747 per month, or $8961 per year, based on a $150,000 salary.

Lake Oswego, OR vs Denver, CO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Lake Oswego, OR — ZIP-level rent data · COL adjusted from Portland, OR area

Current salary in Lake Oswego, OR

Numbers update automatically as you type

You'd save $747/month moving to Denver, CO

$150.0K in your current city equals $141.0K in Denver, CO

Rent data from HUD ZIP-level estimates · COL index from Portland-Vancouver-Hillsboro, OR-WA area

Overall Cost

↓ 10.0%

Less expensive

Monthly Impact

$747

Savings

Annual Impact

$9.0K

Per year

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

Lake Oswego, OR

Population:40K

Cost Index:100

Median Home:$902K

Denver, CO

Population:716K

Cost Index:90

Median Home:$513K

Lake Oswego, OR

The Beaver State

40K

Population

State Tax

Yes

Located in Oregon, this city has a population of 40K 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: Lake Oswego, OR vs Denver, CO

Category	Lake Oswego, OR	Denver, CO	Difference	Change
🏠Housing	$3,978/mo	$3,248/mo	↓ $730less	18.3%
🚗Transportation	$1,617/mo	$1,462/mo	↓ $156less	9.6%
⚡All Utilities	$461/mo	$519/mo	↑ $58.27more	12.6%
📦Other	$1,809/mo	$1,774/mo	↓ $34.60less	1.9%
🏥Healthcare	$643/mo	$632/mo	↓ $10.68less	1.7%
🛒Groceries	$1,036/mo	$1,029/mo	↓ $7.24less	0.7%

🏠Housing

↓ 18.3%

Lake Oswego, OR

$3,978

Denver, CO

$3,248

Difference

$730

less

🚗Transportation

↓ 9.6%

Lake Oswego, OR

$1,617

Denver, CO

$1,462

Difference

$156

less

⚡All Utilities

↑ 12.6%

Lake Oswego, OR

$461

Denver, CO

$519

Difference

$58.27

📦Other

↓ 1.9%

Lake Oswego, OR

$1,809

Denver, CO

$1,774

Difference

$34.60

less

🏥Healthcare

↓ 1.7%

Lake Oswego, OR

$643

Denver, CO

$632

Difference

$10.68

less

🛒Groceries

↓ 0.7%

Lake Oswego, OR

$1,036

Denver, CO

$1,029

Difference

$7.24

less

🏛️ Local Income Taxes

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

Lake Oswego, OR 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$1,498

To$1,720

↑ $222

1 Bed

From$1,602

To$1,840

↑ $238

2 Bed

From$1,833

To$2,190

↑ $357

3 Bed

From$2,500

To$2,870

↑ $370

Lake Oswego, ORZIP-level data

1BR range: $1,990–$2,020/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.

$9,545

Monthly in Lake Oswego, OR

$8,665

Monthly in Denver, CO

$880

Difference

Home Values

Lake Oswego

Denver

$902K

Median Value

$513K

↑ +0.1%

YoY Change

↓ -4.2%

↑ +29.2%

5-Year Change

↑ +13%

$720K - $1.08M

Price Range

$352K - $933K

Homes in Denver are 43% less expensive than Lake Oswego

Calculate payment - Lake Oswego Calculate payment - Denver

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $8.9K

Per year

Monthly Difference

$743

More take-home

Effective Rate Diff

5.9%

Rate difference

Lake Oswego, OR

Federal Income Tax

Effective: 18.9%

$25.5K

Oregon State Tax

Effective: 10.3%

$15.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 35.0%

$52.5K

Take-Home Pay

$8,123/month

$97.5K

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

Lake Oswego, OR Tax Rates

Sales Tax:0.0%

Property Tax:0.9%

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.