Is Denver, CO cheaper than Thousand Oaks, CA?

Based on cost of living data, Denver, CO is 24.7% cheaper than Thousand Oaks, CA. This translates to saving $1849 per month.

What salary do I need in Denver, CO to live like I do in Thousand Oaks, CA?

If you earn $150,000 in Thousand Oaks, CA, you'd need approximately $127,808.219 in Denver, CO to maintain the same standard of living.

How does housing cost compare between Thousand Oaks, CA and Denver, CO?

Housing in Denver, CO is 38.7% cheaper than in Thousand Oaks, CA. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $2,970/month in Thousand Oaks, CA.

How much can I save per month by moving from Thousand Oaks, CA to Denver, CO?

Moving from Thousand Oaks, CA to Denver, CO could save you approximately $1849 per month, or $22192 per year, based on a $150,000 salary.

Thousand Oaks, CA vs Denver, CO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Thousand Oaks, CA — ZIP-level rent data · COL adjusted from Oxnard, CA area

Current salary in Thousand Oaks, CA

Numbers update automatically as you type

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

$150.0K in your current city equals $127.8K in Denver, CO

Rent data from HUD ZIP-level estimates · COL index from Los Angeles-Long Beach-Anaheim, CA area

Overall Cost

↓ 24.7%

Less expensive

Monthly Impact

$1,849

Savings

Annual Impact

$22.2K

Per year

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

Thousand Oaks, CA

Population:123K

Cost Index:100

Median Home:$987K

Denver, CO

Population:716K

Cost Index:75

Median Home:$513K

Thousand Oaks, CA

The Golden State

123K

Population

State Tax

Yes

Located in California, this city has a population of 123K 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: Thousand Oaks, CA vs Denver, CO

Category	Thousand Oaks, CA	Denver, CO	Difference	Change
🏠Housing	$5,301/mo	$3,248/mo	↓ $2,053less	38.7%
🚗Transportation	$2,158/mo	$1,462/mo	↓ $697less	32.3%
📦Other	$1,975/mo	$1,774/mo	↓ $201less	10.2%
🏥Healthcare	$551/mo	$632/mo	↑ $80.54more	14.6%
⚡All Utilities	$557/mo	$519/mo	↓ $38.25less	6.9%
🛒Groceries	$1,039/mo	$1,029/mo	↓ $9.99less	1.0%

🏠Housing

↓ 38.7%

Thousand Oaks, CA

$5,301

Denver, CO

$3,248

Difference

$2,053

less

🚗Transportation

↓ 32.3%

Thousand Oaks, CA

$2,158

Denver, CO

$1,462

Difference

$697

less

📦Other

↓ 10.2%

Thousand Oaks, CA

$1,975

Denver, CO

$1,774

Difference

$201

less

🏥Healthcare

↑ 14.6%

Thousand Oaks, CA

$551

Denver, CO

$632

Difference

$80.54

⚡All Utilities

↓ 6.9%

Thousand Oaks, CA

$557

Denver, CO

$519

Difference

$38.25

less

🛒Groceries

↓ 1.0%

Thousand Oaks, CA

$1,039

Denver, CO

$1,029

Difference

$9.99

less

🏛️ Local Income Taxes

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

Thousand Oaks, CA 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$2,200

To$1,720

↓ $480

1 Bed

From$2,480

To$1,840

↓ $640

2 Bed

From$2,970

To$2,190

↓ $780

3 Bed

From$4,030

To$2,870

↓ $1,160

Thousand Oaks, CAZIP-level data

1BR range: $2,480–$2,480/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.

$11,583

Monthly in Thousand Oaks, CA

$8,665

Monthly in Denver, CO

$2,918

Difference

Home Values

Thousand Oaks

Denver

$987K

Median Value

$513K

↑ +0.1%

YoY Change

↓ -4.2%

↑ +30%

5-Year Change

↑ +13%

$987K

Price Range

$352K - $933K

Homes in Denver are 48% less expensive than Thousand Oaks

Calculate payment - Thousand Oaks Calculate payment - Denver

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $4.0K

Per year

Monthly Difference

$336

More take-home

Effective Rate Diff

2.7%

Rate difference

Thousand Oaks, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

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

Thousand Oaks, CA Tax Rates

Sales Tax:10.5%

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.