Is Denver, CO cheaper than Miami Beach, FL?

Based on cost of living data, Denver, CO is 7.1% cheaper than Miami Beach, FL. This translates to saving $533 per month.

What salary do I need in Denver, CO to live like I do in Miami Beach, FL?

If you earn $150,000 in Miami Beach, FL, you'd need approximately $143,600.71 in Denver, CO to maintain the same standard of living.

How does housing cost compare between Miami Beach, FL and Denver, CO?

Housing in Denver, CO is 1.6% more expensive than in Miami Beach, FL. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $2,930/month in Miami Beach, FL.

How much can I save per month by moving from Miami Beach, FL to Denver, CO?

Moving from Miami Beach, FL to Denver, CO could save you approximately $533 per month, or $6399 per year, based on a $150,000 salary.

Miami Beach, FL vs Denver, CO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Miami Beach, FL — ZIP-level rent data · COL adjusted from Miami, FL area

Current salary in Miami Beach, FL

Numbers update automatically as you type

You'd save $533/month moving to Denver, CO

$150.0K in your current city equals $143.6K in Denver, CO

Rent data from HUD ZIP-level estimates · COL index from Miami-Fort Lauderdale-Pompano Beach, FL area

Overall Cost

↓ 7.1%

Less expensive

Monthly Impact

$533

Savings

Annual Impact

$6.4K

Per year

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

Miami Beach, FL

Population:80K

Cost Index:100

Median Home:$6.28M

Denver, CO

Population:716K

Cost Index:93

Median Home:$513K

Miami Beach, FL

The Sunshine State

80K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 80K residents.

💡 Advantage: Florida has no state income tax!

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: Miami Beach, FL vs Denver, CO

Category	Miami Beach, FL	Denver, CO	Difference	Change
📦Other	$2,015/mo	$1,774/mo	↓ $240less	11.9%
🏥Healthcare	$578/mo	$632/mo	↑ $54.43more	9.4%
🚗Transportation	$1,407/mo	$1,462/mo	↑ $54.42more	3.9%
🏠Housing	$3,198/mo	$3,248/mo	↑ $50.90more	1.6%
🛒Groceries	$1,059/mo	$1,029/mo	↓ $29.68less	2.8%
⚡All Utilities	$509/mo	$519/mo	↑ $9.76more	1.9%

📦Other

↓ 11.9%

Miami Beach, FL

$2,015

Denver, CO

$1,774

Difference

$240

less

🏥Healthcare

↑ 9.4%

Miami Beach, FL

$578

Denver, CO

$632

Difference

$54.43

🚗Transportation

↑ 3.9%

Miami Beach, FL

$1,407

Denver, CO

$1,462

Difference

$54.42

🏠Housing

↑ 1.6%

Miami Beach, FL

$3,198

Denver, CO

$3,248

Difference

$50.90

🛒Groceries

↓ 2.8%

Miami Beach, FL

$1,059

Denver, CO

$1,029

Difference

$29.68

less

⚡All Utilities

↑ 1.9%

Miami Beach, FL

$509

Denver, CO

$519

Difference

$9.76

🏛️ Local Income Taxes

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

Miami Beach, FL 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$2,201

To$1,720

↓ $481

1 Bed

From$2,398

To$1,840

↓ $558

2 Bed

From$2,930

To$2,190

↓ $740

3 Bed

From$3,756

To$2,870

↓ $886

Miami Beach, FLZIP-level data

1BR range: $2,930–$2,930/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.

$8,765

Monthly in Miami Beach, FL

$8,665

Monthly in Denver, CO

$100

Difference

Home Values

Miami Beach

Denver

$6.28M

Median Value

$513K

YoY Change

↓ -4.2%

↑ +88.7%

5-Year Change

↑ +13%

$6.28M

Price Range

$352K - $933K

Homes in Denver are 92% less expensive than Miami Beach

Calculate payment - Miami Beach Calculate payment - Denver

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $6.6K

More taxes

Monthly Difference

$550

Less take-home

Effective Rate Diff

4.4%

Rate difference

Miami Beach, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

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

Miami Beach, FL Tax Rates

Sales Tax:7.2%

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.