Is Denver, CO cheaper than Lowell, MA?

Based on cost of living data, Denver, CO is 22.9% cheaper than Lowell, MA. This translates to saving $1719 per month.

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

If you earn $150,000 in Lowell, MA, you'd need approximately $129,369.831 in Denver, CO to maintain the same standard of living.

How does housing cost compare between Lowell, MA and Denver, CO?

Housing in Denver, CO is 28.6% cheaper than in Lowell, MA. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $1,799/month in Lowell, MA.

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

Moving from Lowell, MA to Denver, CO could save you approximately $1719 per month, or $20630 per year, based on a $150,000 salary.

Lowell, MA vs Denver, CO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Lowell, MA — ZIP-level rent data · COL adjusted from Boston, MA area

Current salary in Lowell, MA

Numbers update automatically as you type

You'd save $1.7K/month moving to Denver, CO

$150.0K in your current city equals $129.4K in Denver, CO

Rent data from HUD ZIP-level estimates · COL index from Boston-Cambridge-Newton, MA-NH area

Overall Cost

↓ 22.9%

Less expensive

Monthly Impact

$1,719

Savings

Annual Impact

$20.6K

Per year

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

Lowell, MA

Population:114K

Cost Index:100

Median Home:$461K

Denver, CO

Population:716K

Cost Index:77

Median Home:$513K

Lowell, MA

The Bay State

114K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 114K 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: Lowell, MA vs Denver, CO

Category	Lowell, MA	Denver, CO	Difference	Change
🏠Housing	$4,548/mo	$3,248/mo	↓ $1,299less	28.6%
🚗Transportation	$1,753/mo	$1,462/mo	↓ $292less	16.6%
⚡All Utilities	$701/mo	$519/mo	↓ $181less	25.9%
🏥Healthcare	$728/mo	$632/mo	↓ $95.67less	13.1%
🛒Groceries	$1,056/mo	$1,029/mo	↓ $26.95less	2.6%
📦Other	$1,748/mo	$1,774/mo	↑ $26.77more	1.5%

🏠Housing

↓ 28.6%

Lowell, MA

$4,548

Denver, CO

$3,248

Difference

$1,299

less

🚗Transportation

↓ 16.6%

Lowell, MA

$1,753

Denver, CO

$1,462

Difference

$292

less

⚡All Utilities

↓ 25.9%

Lowell, MA

$701

Denver, CO

$519

Difference

$181

less

🏥Healthcare

↓ 13.1%

Lowell, MA

$728

Denver, CO

$632

Difference

$95.67

less

🛒Groceries

↓ 2.6%

Lowell, MA

$1,056

Denver, CO

$1,029

Difference

$26.95

less

📦Other

↑ 1.5%

Lowell, MA

$1,748

Denver, CO

$1,774

Difference

$26.77

🏛️ Local Income Taxes

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

Lowell, MA 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$1,242

To$1,720

↑ $478

1 Bed

From$1,368

To$1,840

↑ $472

2 Bed

From$1,799

To$2,190

↑ $391

3 Bed

From$2,157

To$2,870

↑ $713

Lowell, MAZIP-level data

1BR range: $1,650–$1,730/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.

$10,533

Monthly in Lowell, MA

$8,665

Monthly in Denver, CO

$1,868

Difference

Home Values

Lowell

Denver

$461K

Median Value

$513K

↑ +0.5%

YoY Change

↓ -4.2%

↑ +41.4%

5-Year Change

↑ +13%

$435K - $507K

Price Range

$352K - $933K

Homes in Denver are 11% more expensive than Lowell

Calculate payment - Lowell Calculate payment - Denver

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $900

Per year

Monthly Difference

$75.00

More take-home

Effective Rate Diff

0.6%

Rate difference

Lowell, MA

Federal Income Tax

Effective: 18.9%

$25.5K

Massachusetts State Tax

Effective: 5.0%

$7.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.7%

$44.5K

Take-Home Pay

$8,791/month

$105.5K

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

Lowell, MA Tax Rates

Sales Tax:6.3%

Property Tax:1.2%

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.