Is Denver, CO cheaper than Temple, TX?

Based on cost of living data, Denver, CO is 16.7% more expensive than Temple, TX. This translates to spending an extra $1251 per month.

What salary do I need in Denver, CO to live like I do in Temple, TX?

If you earn $150,000 in Temple, TX, you'd need approximately $165,015.372 in Denver, CO to maintain the same standard of living.

How does housing cost compare between Temple, TX and Denver, CO?

Housing in Denver, CO is 36.7% more expensive than in Temple, TX. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $1,066/month in Temple, TX.

How much can I save per month by moving from Temple, TX to Denver, CO?

Living in Denver, CO costs approximately $1251 more per month than Temple, TX, or $15015 more per year, based on a $150,000 salary.

Temple, TX vs Denver, CO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Temple, TX — ZIP-level rent data · COL adjusted from Austin, TX area

Current salary in Temple, TX

Numbers update automatically as you type

You'd spend $1.3K/month more in Denver, CO

$150.0K in your current city equals $165.0K in Denver, CO

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

Overall Cost

↑ 16.7%

More expensive

Monthly Impact

$1,251

Extra cost

Annual Impact

$15.0K

Per year

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

Temple, TX

Population:93K

Cost Index:100

Median Home:$187K

Denver, CO

Population:716K

Cost Index:117

Median Home:$513K

Temple, TX

The Lone Star State

93K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 93K residents.

💡 Advantage: Texas 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: Temple, TX vs Denver, CO

Category	Temple, TX	Denver, CO	Difference	Change
🏠Housing	$2,376/mo	$3,248/mo	↑ $872more	36.7%
🚗Transportation	$1,175/mo	$1,462/mo	↑ $286more	24.4%
📦Other	$1,593/mo	$1,774/mo	↑ $181more	11.4%
🛒Groceries	$918/mo	$1,029/mo	↑ $111more	12.1%
🏥Healthcare	$563/mo	$632/mo	↑ $68.86more	12.2%
⚡All Utilities	$518/mo	$519/mo	↑ $1.57more	0.3%

🏠Housing

↑ 36.7%

Temple, TX

$2,376

Denver, CO

$3,248

Difference

$872

🚗Transportation

↑ 24.4%

Temple, TX

$1,175

Denver, CO

$1,462

Difference

$286

📦Other

↑ 11.4%

Temple, TX

$1,593

Denver, CO

$1,774

Difference

$181

🛒Groceries

↑ 12.1%

Temple, TX

$918

Denver, CO

$1,029

Difference

$111

🏥Healthcare

↑ 12.2%

Temple, TX

$563

Denver, CO

$632

Difference

$68.86

⚡All Utilities

↑ 0.3%

Temple, TX

$518

Denver, CO

$519

Difference

$1.57

🏛️ Local Income Taxes

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

Temple, TX 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$848

To$1,720

↑ $872

1 Bed

From$856

To$1,840

↑ $984

2 Bed

From$1,066

To$2,190

↑ $1,124

3 Bed

From$1,478

To$2,870

↑ $1,392

Temple, TXZIP-level data

1BR range: $840–$1,200/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.

$7,143

Monthly in Temple, TX

$8,665

Monthly in Denver, CO

$1,522

Difference

Home Values

Temple

Denver

$187K

Median Value

$513K

↓ -5%

YoY Change

↓ -4.2%

↑ +25.1%

5-Year Change

↑ +13%

$185K - $275K

Price Range

$352K - $933K

Homes in Denver are 174% more expensive than Temple

Calculate payment - Temple 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

Temple, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas 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

Temple, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

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.