Is Denver, CO cheaper than Loveland, CO?

Based on cost of living data, Denver, CO is 7.9% more expensive than Loveland, CO. This translates to spending an extra $589 per month.

What salary do I need in Denver, CO to live like I do in Loveland, CO?

If you earn $150,000 in Loveland, CO, you'd need approximately $157,065.927 in Denver, CO to maintain the same standard of living.

How does housing cost compare between Loveland, CO and Denver, CO?

Housing in Denver, CO is 19.8% more expensive than in Loveland, CO. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $1,352/month in Loveland, CO.

How much can I save per month by moving from Loveland, CO to Denver, CO?

Living in Denver, CO costs approximately $589 more per month than Loveland, CO, or $7066 more per year, based on a $150,000 salary.

Loveland, CO vs Denver, CO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Loveland, CO — ZIP-level rent data · COL adjusted from Denver, CO area

Current salary in Loveland, CO

Numbers update automatically as you type

You'd spend $589/month more in Denver, CO

$150.0K in your current city equals $157.1K in Denver, CO

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 7.9%

More expensive

Monthly Impact

$589

Extra cost

Annual Impact

$7.1K

Per year

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

Loveland, CO

Population:79K

Cost Index:100

Median Home:$489K

Denver, CO

Population:716K

Cost Index:108

Median Home:$513K

Loveland, CO

The Centennial State

79K

Population

State Tax

Yes

Located in Colorado, this city has a population of 79K 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: Loveland, CO vs Denver, CO

Category	Loveland, CO	Denver, CO	Difference	Change
🏠Housing	$2,711/mo	$3,248/mo	↑ $538more	19.8%
📦Other	$1,645/mo	$1,774/mo	↑ $129more	7.9%
🚗Transportation	$1,355/mo	$1,462/mo	↑ $106more	7.9%
🛒Groceries	$991/mo	$1,029/mo	↑ $38.17more	3.9%
🏥Healthcare	$609/mo	$632/mo	↑ $23.44more	3.9%
⚡All Utilities	$500/mo	$519/mo	↑ $19.25more	3.9%

🏠Housing

↑ 19.8%

Loveland, CO

$2,711

Denver, CO

$3,248

Difference

$538

📦Other

↑ 7.9%

Loveland, CO

$1,645

Denver, CO

$1,774

Difference

$129

🚗Transportation

↑ 7.9%

Loveland, CO

$1,355

Denver, CO

$1,462

Difference

$106

🛒Groceries

↑ 3.9%

Loveland, CO

$991

Denver, CO

$1,029

Difference

$38.17

🏥Healthcare

↑ 3.9%

Loveland, CO

$609

Denver, CO

$632

Difference

$23.44

⚡All Utilities

↑ 3.9%

Loveland, CO

$500

Denver, CO

$519

Difference

$19.25

🏛️ Local Income Taxes

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

Loveland, CO 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$1,178

To$1,720

↑ $542

1 Bed

From$1,202

To$1,840

↑ $638

2 Bed

From$1,352

To$2,190

↑ $838

3 Bed

From$1,860

To$2,870

↑ $1,010

Loveland, COZIP-level data

1BR range: $1,440–$1,610/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.

$7,811

Monthly in Loveland, CO

$8,665

Monthly in Denver, CO

$854

Difference

Home Values

Loveland

Denver

$489K

Median Value

$513K

↓ -1.8%

YoY Change

↓ -4.2%

↑ +21.9%

5-Year Change

↑ +13%

$486K - $492K

Price Range

$352K - $933K

Homes in Denver are 5% more expensive than Loveland

Calculate payment - Loveland Calculate payment - Denver

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Loveland, 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

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

Loveland, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

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.