Is Denver, CO cheaper than St. Cloud, FL?

Based on cost of living data, Denver, CO is 10.5% more expensive than St. Cloud, FL. This translates to spending an extra $785 per month.

What salary do I need in Denver, CO to live like I do in St. Cloud, FL?

If you earn $150,000 in St. Cloud, FL, you'd need approximately $159,424.694 in Denver, CO to maintain the same standard of living.

How does housing cost compare between St. Cloud, FL and Denver, CO?

Housing in Denver, CO is 38.1% more expensive than in St. Cloud, FL. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $1,742/month in St. Cloud, FL.

How much can I save per month by moving from St. Cloud, FL to Denver, CO?

Living in Denver, CO costs approximately $785 more per month than St. Cloud, FL, or $9425 more per year, based on a $150,000 salary.

St. Cloud, FL vs Denver, CO: Cost of Living Comparison 2026

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

📍 St. Cloud, FL — ZIP-level rent data · COL adjusted from Orlando, FL area

Current salary in St. Cloud, FL

Numbers update automatically as you type

You'd spend $785/month more in Denver, CO

$150.0K in your current city equals $159.4K in Denver, CO

Rent data from HUD ZIP-level estimates · COL index from Orlando-Kissimmee-Sanford, FL area

Overall Cost

↑ 10.5%

More expensive

Monthly Impact

$785

Extra cost

Annual Impact

$9.4K

Per year

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

St. Cloud, FL

Population:66K

Cost Index:100

Median Home:$386K

Denver, CO

Population:716K

Cost Index:110

Median Home:$513K

St. Cloud, FL

The Sunshine State

66K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 66K residents.

💡 Advantage: Florida has no state income tax!

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: St. Cloud, FL vs Denver, CO

Category	St. Cloud, FL	Denver, CO	Difference	Change
🏠Housing	$2,351/mo	$3,248/mo	↑ $897more	38.1%
🚗Transportation	$1,241/mo	$1,462/mo	↑ $220more	17.7%
🏥Healthcare	$560/mo	$632/mo	↑ $71.52more	12.8%
⚡All Utilities	$564/mo	$519/mo	↓ $45.02less	8.0%
🛒Groceries	$1,002/mo	$1,029/mo	↑ $27.09more	2.7%
📦Other	$1,748/mo	$1,774/mo	↑ $26.68more	1.5%

🏠Housing

↑ 38.1%

St. Cloud, FL

$2,351

Denver, CO

$3,248

Difference

$897

🚗Transportation

↑ 17.7%

St. Cloud, FL

$1,241

Denver, CO

$1,462

Difference

$220

🏥Healthcare

↑ 12.8%

St. Cloud, FL

$560

Denver, CO

$632

Difference

$71.52

⚡All Utilities

↓ 8.0%

St. Cloud, FL

$564

Denver, CO

$519

Difference

$45.02

less

🛒Groceries

↑ 2.7%

St. Cloud, FL

$1,002

Denver, CO

$1,029

Difference

$27.09

📦Other

↑ 1.5%

St. Cloud, FL

$1,748

Denver, CO

$1,774

Difference

$26.68

🏛️ Local Income Taxes

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

St. Cloud, FL 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$1,459

To$1,720

↑ $261

1 Bed

From$1,528

To$1,840

↑ $312

2 Bed

From$1,742

To$2,190

↑ $448

3 Bed

From$2,186

To$2,870

↑ $684

St. Cloud, FLZIP-level data

1BR range: $1,420–$2,420/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.

$7,467

Monthly in St. Cloud, FL

$8,665

Monthly in Denver, CO

$1,198

Difference

Home Values

St. Cloud

Denver

$386K

Median Value

$513K

↓ -4.5%

YoY Change

↓ -4.2%

↑ +33.4%

5-Year Change

↑ +13%

$312K - $435K

Price Range

$352K - $933K

Homes in Denver are 33% more expensive than St. Cloud

Calculate payment - St. Cloud Calculate payment - Denver

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $6.6K

More taxes

Monthly Difference

$550

Less take-home

Effective Rate Diff

4.4%

Rate difference

St. Cloud, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

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

St. Cloud, FL Tax Rates

Sales Tax:7.2%

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.