Is Denver, CO cheaper than The Villages, FL?

Based on cost of living data, Denver, CO is 12.1% more expensive than The Villages, FL. This translates to spending an extra $908 per month.

What salary do I need in Denver, CO to live like I do in The Villages, FL?

If you earn $150,000 in The Villages, FL, you'd need approximately $160,892.118 in Denver, CO to maintain the same standard of living.

How does housing cost compare between The Villages, FL and Denver, CO?

Housing in Denver, CO is 40.2% more expensive than in The Villages, FL. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $1,417/month in The Villages, FL.

How much can I save per month by moving from The Villages, FL to Denver, CO?

Living in Denver, CO costs approximately $908 more per month than The Villages, FL, or $10892 more per year, based on a $150,000 salary.

The Villages, FL vs Denver, CO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 The Villages, FL — COL adjusted from Orlando, FL area + state data

Current salary in The Villages, FL

Numbers update automatically as you type

You'd spend $908/month more in Denver, CO

$150.0K in your current city equals $160.9K in Denver, CO

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

Overall Cost

↑ 12.1%

More expensive

Monthly Impact

$908

Extra cost

Annual Impact

$10.9K

Per year

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

The Villages, FL

Population:79K

Cost Index:100

Median Home:$390K

Denver, CO

Population:716K

Cost Index:112

Median Home:$513K

The Villages, FL

The Sunshine State

79K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 79K 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: The Villages, FL vs Denver, CO

Category	The Villages, FL	Denver, CO	Difference	Change
🏠Housing	$2,317/mo	$3,248/mo	↑ $931more	40.2%
🚗Transportation	$1,223/mo	$1,462/mo	↑ $238more	19.5%
🏥Healthcare	$556/mo	$632/mo	↑ $75.61more	13.6%
📦Other	$1,722/mo	$1,774/mo	↑ $52.10more	3.0%
⚡All Utilities	$560/mo	$519/mo	↓ $40.90less	7.3%
🛒Groceries	$995/mo	$1,029/mo	↑ $34.41more	3.5%

🏠Housing

↑ 40.2%

The Villages, FL

$2,317

Denver, CO

$3,248

Difference

$931

🚗Transportation

↑ 19.5%

The Villages, FL

$1,223

Denver, CO

$1,462

Difference

$238

🏥Healthcare

↑ 13.6%

The Villages, FL

$556

Denver, CO

$632

Difference

$75.61

📦Other

↑ 3.0%

The Villages, FL

$1,722

Denver, CO

$1,774

Difference

$52.10

⚡All Utilities

↓ 7.3%

The Villages, FL

$560

Denver, CO

$519

Difference

$40.90

less

🛒Groceries

↑ 3.5%

The Villages, FL

$995

Denver, CO

$1,029

Difference

$34.41

🏛️ Local Income Taxes

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

The Villages, 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$972

To$1,720

↑ $748

1 Bed

From$1,134

To$1,840

↑ $706

2 Bed

From$1,417

To$2,190

↑ $773

3 Bed

From$1,943

To$2,870

↑ $927

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.

$7,374

Monthly in The Villages, FL

$8,665

Monthly in Denver, CO

$1,291

Difference

Home Values

The Villages

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

↓ $6.6K

More taxes

Monthly Difference

$550

Less take-home

Effective Rate Diff

4.4%

Rate difference

The Villages, 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

The Villages, 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.