Is Denver, CO cheaper than Saratoga Springs, NY?

Based on cost of living data, Denver, CO is 15.2% more expensive than Saratoga Springs, NY. This translates to spending an extra $1142 per month.

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

If you earn $150,000 in Saratoga Springs, NY, you'd need approximately $163,702.655 in Denver, CO to maintain the same standard of living.

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

Housing in Denver, CO is 6.8% more expensive than in Saratoga Springs, NY. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $1,688/month in Saratoga Springs, NY.

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

Living in Denver, CO costs approximately $1142 more per month than Saratoga Springs, NY, or $13703 more per year, based on a $150,000 salary.

Saratoga Springs, NY vs Denver, CO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Saratoga Springs, NY — COL adjusted from Boston, MA area + state data

Current salary in Saratoga Springs, NY

Numbers update automatically as you type

You'd spend $1.1K/month more in Denver, CO

$150.0K in your current city equals $163.7K in Denver, CO

Rent data from HUD ZIP-level estimates · COL index from Albany-Schenectady-Troy, NY area

Overall Cost

↑ 15.2%

More expensive

Monthly Impact

$1,142

Extra cost

Annual Impact

$13.7K

Per year

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

Saratoga Springs, NY

Population:29K

Cost Index:100

Median Home:$961K

Denver, CO

Population:716K

Cost Index:115

Median Home:$513K

Saratoga Springs, NY

The Empire State

29K

Population

State Tax

Yes

Located in New York, this city has a population of 29K 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 Springs, NY vs Denver, CO

Category	Saratoga Springs, NY	Denver, CO	Difference	Change
📦Other	$1,169/mo	$1,774/mo	↑ $605more	51.8%
🚗Transportation	$1,173/mo	$1,462/mo	↑ $289more	24.6%
🏠Housing	$3,042/mo	$3,248/mo	↑ $206more	6.8%
🛒Groceries	$864/mo	$1,029/mo	↑ $165more	19.1%
⚡All Utilities	$573/mo	$519/mo	↓ $53.86less	9.4%
🏥Healthcare	$595/mo	$632/mo	↑ $36.85more	6.2%

📦Other

↑ 51.8%

Saratoga Springs, NY

$1,169

Denver, CO

$1,774

Difference

$605

🚗Transportation

↑ 24.6%

Saratoga Springs, NY

$1,173

Denver, CO

$1,462

Difference

$289

🏠Housing

↑ 6.8%

Saratoga Springs, NY

$3,042

Denver, CO

$3,248

Difference

$206

🛒Groceries

↑ 19.1%

Saratoga Springs, NY

$864

Denver, CO

$1,029

Difference

$165

⚡All Utilities

↓ 9.4%

Saratoga Springs, NY

$573

Denver, CO

$519

Difference

$53.86

less

🏥Healthcare

↑ 6.2%

Saratoga Springs, NY

$595

Denver, CO

$632

Difference

$36.85

🏛️ Local Income Taxes

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

Saratoga Springs, NY 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$1,171

To$1,720

↑ $549

1 Bed

From$1,362

To$1,840

↑ $478

2 Bed

From$1,688

To$2,190

↑ $502

3 Bed

From$2,178

To$2,870

↑ $692

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.

$7,416

Monthly in Saratoga Springs, NY

$8,665

Monthly in Denver, CO

$1,249

Difference

Home Values

Saratoga Springs

Denver

Median Value

$513K

YoY Change

↓ -4.2%

5-Year Change

↑ +13%

Price Range

$352K - $933K

Calculate payment - Denver

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.9K

Per year

Monthly Difference

$245

More take-home

Effective Rate Diff

2.0%

Rate difference

Saratoga Springs, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

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 Springs, NY Tax Rates

Sales Tax:8.8%

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.