Oxford, AL vs Denver, CO: Cost of Living

Which city costs less?

Denver, CO has a modeled overall cost index 29.2% higher than Oxford, AL.

Oxford, AL · modeled 2BR rent
$1,020 / month
Denver, CO · modeled 2BR rent
$2,190 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Oxford, AL and Denver, CO using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated extra cost: $2,649/month in Denver, CO

$150,000 in your current city has a modeled equivalent of $181,788 in Denver, CO

Regional cost estimates: Oxford, AL uses Birmingham, AL. Denver, CO uses Denver-Aurora-Lakewood, CO Metropolitan Area. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 29.2%
More expensive
Monthly Impact
$2,649
Extra cost
Annual Impact
$31.8K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Oxford, AL

Population:22K
Cost Index:
85.1
100 = national average
Typical Home:$197K

Denver, CO

Population:716K
Cost Index:
110.0
100 = national average
Typical Home:$513K

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Oxford, AL

The Heart of Dixie

22K
Population
State Tax
Yes

Located in Alabama, this city has a population of 22K 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

Estimated monthly spending: Oxford, AL vs Denver, CO

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Housing
↑ 91.8%
Oxford, AL
$1,984
Denver, CO
$3,805
Difference
$1,821
more
Transportation
↑ 24.2%
Oxford, AL
$1,378
Denver, CO
$1,712
Difference
$334
more
Other
↑ 15.2%
Oxford, AL
$1,804
Denver, CO
$2,078
Difference
$275
more
Healthcare
↑ 24.2%
Oxford, AL
$596
Denver, CO
$740
Difference
$144
more
Groceries
↑ 8.5%
Oxford, AL
$1,112
Denver, CO
$1,206
Difference
$93.97
more
All Utilities
↓ 3.0%
Oxford, AL
$627
Denver, CO
$608
Difference
$18.81
less

🏛️ Local Income Taxes

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

Oxford, AL has no local income tax recorded in this dataset.

Local taxes are shown separately and are not included in the living-cost totals. Coverage is incomplete; an absent entry does not establish that no tax applies.

🏠Rent Comparison

Studio
From$780
To$1,720
↑ $940
1 Bed
From$810
To$1,840
↑ $1,030
2 Bed
From$1,020
To$2,190
↑ $1,170
3 Bed
From$1,380
To$2,870
↑ $1,490
Oxford, ALZIP-level data

1BR range: $810–$810/mo

Denver, COZIP-level data

1BR range: $1,620–$2,540/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Oxford, AL
$10,149
Monthly in Denver, CO
$2,649
Difference

Home Values

Oxford
Denver
$197K
Median Value
$513K
↑ +1.7%
YoY Change
↓ -4.2%
↑ +25.2%
5-Year Change
↑ +13%
$197K
Price Range
$352K - $933K

Homes in Denver are 160% more expensive than Oxford

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $860
Per year
Monthly Difference
$71.67
More take-home
Effective Rate Diff
0.6%
Rate difference

Oxford, AL

Federal Income Tax
Effective: 18.9%
$25.5K
Alabama State Tax
Effective: 5.0%
$7.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.5K
Take-Home Pay
$8,794/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

Oxford, AL Tax Rates

Sales Tax:9.1%
Property Tax:0.4%

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.

🚶 Walkability

Modeled road attributes, not a safety assessment. Methodology and limitations

Environment

Oxford
Denver
57 Moderate
Air Quality
55 Moderate
26%
Good Air Days
35.2%
98 High
Climate Risk
95 High
🌊🌡🌪
Top Hazards
🌊🌪💨
▲+2.5°F
2050 Outlook
▲+3.3°F
41 days
Heat Days >95°F
28 days
▲+2.5°F
2050 Outlook
▲+3.3°F
41 days
Heat Days >95°F
28 days

Before moving from Oxford, AL to Denver, CO

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Denver, CO for the same bedroom count and included utilities as your home in Oxford, AL. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Oxford to Denver moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Denver, CO by cost, housing, population and region.

Frequently Asked Questions: Oxford, AL vs Denver, CO

How do the cost estimates for Oxford, AL and Denver, CO compare?

Denver, CO has a modeled overall cost index 29.2% higher than Oxford, AL. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Oxford, AL, the model estimates $181,788 in Denver, CO. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Oxford, AL and Denver, CO?

The modeled two-bedroom rents are $1,020/month in Oxford, AL and $2,190/month in Denver, CO. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Alabama and Colorado on TaxTakeHome.com

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