Sacramento, CA vs Colorado Springs, CO: Cost of Living

Which city costs less?

Colorado Springs, CO has a modeled overall cost index 12.0% lower than Sacramento, CA.

Sacramento, CA · modeled 2BR rent: $2,180 / month
Colorado Springs, CO · modeled 2BR rent: $1,800 / 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 Sacramento, CA and Colorado Springs, 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

Current salary in Sacramento, CA

Numbers update automatically as you type

Estimated savings: $909/month in Colorado Springs, CO

$150,000 in your current city has a modeled equivalent of $139,094 in Colorado Springs, CO

Regional cost estimates: Sacramento, CA uses Sacramento-Roseville-Folsom, CA Metropolitan Area. Colorado Springs, CO uses Colorado Springs, CO Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 12.0%

Less expensive

Monthly Impact

$909

Savings

Annual Impact

$10.9K

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.

Sacramento, CA

Population:525K

Cost Index:

117.0

100 = national average

Typical Home:$460K

Colorado Springs, CO

Population:479K

Cost Index:

103.0

100 = national average

Typical Home:$415K

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Sacramento, CA

The Golden State

525K

Population

State Tax

Yes

Located in California, this city has a population of 525K residents.

Colorado Springs, CO

The Centennial State

479K

Population

State Tax

Yes

Located in Colorado, this city has a population of 479K residents.

Cost Breakdown by Category

Estimated monthly spending: Sacramento, CA vs Colorado Springs, 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.

Category	Sacramento, CA	Colorado Springs, CO	Difference	Change
Housing	$3,019/mo	$2,356/mo	↓ $664less	22.0%
Transportation	$1,171/mo	$1,047/mo	↓ $124less	10.6%
All Utilities	$437/mo	$374/mo	↓ $63.04less	14.4%
Groceries	$873/mo	$823/mo	↓ $49.41less	5.7%
Other	$1,490/mo	$1,476/mo	↓ $13.79less	0.9%
Healthcare	$511/mo	$516/mo	↑ $5.11more	1.0%

Housing

↓ 22.0%

Sacramento, CA

$3,019

Colorado Springs, CO

$2,356

Difference

$664

less

Transportation

↓ 10.6%

Sacramento, CA

$1,171

Colorado Springs, CO

$1,047

Difference

$124

less

All Utilities

↓ 14.4%

Sacramento, CA

$437

Colorado Springs, CO

$374

Difference

$63.04

less

Groceries

↓ 5.7%

Sacramento, CA

$873

Colorado Springs, CO

$823

Difference

$49.41

less

Other

↓ 0.9%

Sacramento, CA

$1,490

Colorado Springs, CO

$1,476

Difference

$13.79

less

Healthcare

↑ 1.0%

Sacramento, CA

$511

Colorado Springs, CO

$516

Difference

$5.11

🏠Rent Comparison

Studio

From$1,690

To$1,240

↓ $450

1 Bed

From$1,770

To$1,520

↓ $250

2 Bed

From$2,180

To$1,800

↓ $380

3 Bed

From$2,900

To$2,505

↓ $395

Sacramento, CAZIP-level data

1BR range: $1,320–$2,310/mo

Colorado Springs, COZIP-level data

1BR range: $1,210–$2,050/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 Sacramento, CA

$6,591

Monthly in Colorado Springs, CO

$909

Difference

Home Values

Sacramento

Colorado Springs

$460K

Median Value

$415K

↓ -2.7%

YoY Change

↓ -2.2%

↑ +18.2%

5-Year Change

↑ +22.4%

$352K - $969K

Price Range

$314K - $709K

Homes in Colorado Springs are 10% less expensive than Sacramento

Calculate payment - Sacramento Calculate payment - Colorado Springs

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $4.0K

Per year

Monthly Difference

$336

More take-home

Effective Rate Diff

2.7%

Rate difference

Sacramento, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

Colorado Springs, 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

Sacramento, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Colorado Springs, 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

Sacramento, CA: No data yet

Colorado Springs, CO

37/100

1.2% sidewalk tags · 2.1% cycling tags

Environment

Sacramento

Colorado Springs

51 Moderate

Air Quality

49 Good

49.7%

Good Air Days

55.2%

98 High

Climate Risk

94 Moderate

🌊☀🫨

Top Hazards

🔥🌊🌪

▲+2.4°F

2050 Outlook

▲+3.0°F

69 days

Heat Days >95°F

9 days

▲+2.4°F

2050 Outlook

▲+3.0°F

69 days

Heat Days >95°F

9 days

Before moving from Sacramento, CA to Colorado Springs, CO

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

Compare actual homes. Get current quotes in Colorado Springs, CO for the same bedroom count and included utilities as your home in Sacramento, CA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
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.
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.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Sacramento to Colorado Springs moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Sacramento, CA vs Colorado Springs, CO

How do the cost estimates for Sacramento, CA and Colorado Springs, CO compare?

Colorado Springs, CO has a modeled overall cost index 12.0% lower than Sacramento, CA. 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 Sacramento, CA, the model estimates $139,094 in Colorado Springs, 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 Sacramento, CA and Colorado Springs, CO?

The modeled two-bedroom rents are $2,180/month in Sacramento, CA and $1,800/month in Colorado Springs, 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 California and Colorado on TaxTakeHome.com