Is Denver, CO cheaper than Saratoga, CA?

Based on cost of living data, Denver, CO is 40.7% cheaper than Saratoga, CA. This translates to saving $3054 per month.

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

If you earn $150,000 in Saratoga, CA, you'd need approximately $113,346.236 in Denver, CO to maintain the same standard of living.

How does housing cost compare between Saratoga, CA and Denver, CO?

Housing in Denver, CO is 59.6% cheaper than in Saratoga, CA. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $3,092/month in Saratoga, CA.

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

Moving from Saratoga, CA to Denver, CO could save you approximately $3054 per month, or $36654 per year, based on a $150,000 salary.

Saratoga, CA vs Denver, CO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Saratoga, CA — ZIP-level rent data · COL adjusted from San Jose, CA area

Current salary in Saratoga, CA

Numbers update automatically as you type

You'd save $3.1K/month moving to Denver, CO

$150.0K in your current city equals $113.3K in Denver, CO

Rent data from HUD ZIP-level estimates · COL index from San Jose-Sunnyvale-Santa Clara, CA area

Overall Cost

↓ 40.7%

Less expensive

Monthly Impact

$3,054

Savings

Annual Impact

$36.7K

Per year

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

Saratoga, CA

Population:30K

Cost Index:100

Median Home:$3.98M

Denver, CO

Population:716K

Cost Index:59

Median Home:$513K

Saratoga, CA

The Golden State

30K

Population

State Tax

Yes

Located in California, this city has a population of 30K 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: Saratoga, CA vs Denver, CO

Category	Saratoga, CA	Denver, CO	Difference	Change
🏠Housing	$8,033/mo	$3,248/mo	↓ $4,785less	59.6%
🚗Transportation	$1,299/mo	$1,462/mo	↑ $163more	12.5%
📦Other	$1,685/mo	$1,774/mo	↑ $89.76more	5.3%
⚡All Utilities	$446/mo	$519/mo	↑ $72.81more	16.3%
🛒Groceries	$1,085/mo	$1,029/mo	↓ $55.75less	5.1%
🏥Healthcare	$679/mo	$632/mo	↓ $46.72less	6.9%

🏠Housing

↓ 59.6%

Saratoga, CA

$8,033

Denver, CO

$3,248

Difference

$4,785

less

🚗Transportation

↑ 12.5%

Saratoga, CA

$1,299

Denver, CO

$1,462

Difference

$163

📦Other

↑ 5.3%

Saratoga, CA

$1,685

Denver, CO

$1,774

Difference

$89.76

⚡All Utilities

↑ 16.3%

Saratoga, CA

$446

Denver, CO

$519

Difference

$72.81

🛒Groceries

↓ 5.1%

Saratoga, CA

$1,085

Denver, CO

$1,029

Difference

$55.75

less

🏥Healthcare

↓ 6.9%

Saratoga, CA

$679

Denver, CO

$632

Difference

$46.72

less

🏛️ Local Income Taxes

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

Saratoga, CA 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$2,323

To$1,720

↓ $603

1 Bed

From$2,598

To$1,840

↓ $758

2 Bed

From$3,092

To$2,190

↓ $902

3 Bed

From$4,057

To$2,870

↓ $1,187

Saratoga, CAZIP-level data

1BR range: $3,310–$3,310/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.

$13,227

Monthly in Saratoga, CA

$8,665

Monthly in Denver, CO

$4,562

Difference

Home Values

Saratoga

Denver

$3.98M

Median Value

$513K

↑ +2.6%

YoY Change

↓ -4.2%

↑ +45.6%

5-Year Change

↑ +13%

$3.98M

Price Range

$352K - $933K

Homes in Denver are 87% less expensive than Saratoga

Calculate payment - Saratoga Calculate payment - Denver

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

Saratoga, 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

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

Saratoga, CA Tax Rates

Sales Tax:10.5%

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.