Is Denver, CO cheaper than Silver Spring, MD?

Based on cost of living data, Denver, CO is 24.1% cheaper than Silver Spring, MD. This translates to saving $1808 per month.

What salary do I need in Denver, CO to live like I do in Silver Spring, MD?

If you earn $150,000 in Silver Spring, MD, you'd need approximately $128,307.886 in Denver, CO to maintain the same standard of living.

How does housing cost compare between Silver Spring, MD and Denver, CO?

Housing in Denver, CO is 39.1% cheaper than in Silver Spring, MD. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $2,269/month in Silver Spring, MD.

How much can I save per month by moving from Silver Spring, MD to Denver, CO?

Moving from Silver Spring, MD to Denver, CO could save you approximately $1808 per month, or $21692 per year, based on a $150,000 salary.

Silver Spring, MD vs Denver, CO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Silver Spring, MD — COL adjusted from Washington, DC area + state data

Current salary in Silver Spring, MD

Numbers update automatically as you type

You'd save $1.8K/month moving to Denver, CO

$150.0K in your current city equals $128.3K in Denver, CO

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 24.1%

Less expensive

Monthly Impact

$1,808

Savings

Annual Impact

$21.7K

Per year

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

Silver Spring, MD

Population:81K

Cost Index:100

Median Home:$556K

Denver, CO

Population:716K

Cost Index:76

Median Home:$513K

Silver Spring, MD

The Old Line State

81K

Population

State Tax

Yes

Located in Maryland, this city has a population of 81K 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: Silver Spring, MD vs Denver, CO

Category	Silver Spring, MD	Denver, CO	Difference	Change
🏠Housing	$5,330/mo	$3,248/mo	↓ $2,082less	39.1%
🚗Transportation	$1,797/mo	$1,462/mo	↓ $336less	18.7%
📦Other	$1,740/mo	$1,774/mo	↑ $34.63more	2.0%
🛒Groceries	$1,054/mo	$1,029/mo	↓ $24.57less	2.3%
⚡All Utilities	$496/mo	$519/mo	↑ $22.88more	4.6%
🏥Healthcare	$617/mo	$632/mo	↑ $14.87more	2.4%

🏠Housing

↓ 39.1%

Silver Spring, MD

$5,330

Denver, CO

$3,248

Difference

$2,082

less

🚗Transportation

↓ 18.7%

Silver Spring, MD

$1,797

Denver, CO

$1,462

Difference

$336

less

📦Other

↑ 2.0%

Silver Spring, MD

$1,740

Denver, CO

$1,774

Difference

$34.63

🛒Groceries

↓ 2.3%

Silver Spring, MD

$1,054

Denver, CO

$1,029

Difference

$24.57

less

⚡All Utilities

↑ 4.6%

Silver Spring, MD

$496

Denver, CO

$519

Difference

$22.88

🏥Healthcare

↑ 2.4%

Silver Spring, MD

$617

Denver, CO

$632

Difference

$14.87

🏛️ Local Income Taxes

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

Silver Spring, MD 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$1,540

To$1,720

↑ $180

1 Bed

From$1,783

To$1,840

↑ $57.00

2 Bed

From$2,269

To$2,190

↓ $79.00

3 Bed

From$3,161

To$2,870

↓ $291

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.

$11,034

Monthly in Silver Spring, MD

$8,665

Monthly in Denver, CO

$2,370

Difference

Home Values

Silver Spring

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

↑ $660

Per year

Monthly Difference

$55.00

More take-home

Effective Rate Diff

0.4%

Rate difference

Silver Spring, MD

Federal Income Tax

Effective: 18.9%

$25.5K

Maryland State Tax

Effective: 4.8%

$7.3K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.5%

$44.3K

Take-Home Pay

$8,811/month

$105.7K

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

Silver Spring, MD Tax Rates

Sales Tax:6.0%

Property Tax:1.1%

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.