Is Denver, CO cheaper than Utica, NY?

Based on cost of living data, Denver, CO is 19.0% more expensive than Utica, NY. This translates to spending an extra $1426 per month.

What salary do I need in Denver, CO to live like I do in Utica, NY?

If you earn $150,000 in Utica, NY, you'd need approximately $167,108.065 in Denver, CO to maintain the same standard of living.

How does housing cost compare between Utica, NY and Denver, CO?

Housing in Denver, CO is 86.5% more expensive than in Utica, NY. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $855/month in Utica, NY.

How much can I save per month by moving from Utica, NY to Denver, CO?

Living in Denver, CO costs approximately $1426 more per month than Utica, NY, or $17108 more per year, based on a $150,000 salary.

Utica, NY vs Denver, CO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Utica, NY — ZIP-level rent data · COL adjusted from Newark, NJ area

Current salary in Utica, NY

Numbers update automatically as you type

You'd spend $1.4K/month more in Denver, CO

$150.0K in your current city equals $167.1K in Denver, CO

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

Overall Cost

↑ 19.0%

More expensive

Monthly Impact

$1,426

Extra cost

Annual Impact

$17.1K

Per year

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

Utica, NY

Population:64K

Cost Index:100

Median Home:$196K

Denver, CO

Population:716K

Cost Index:119

Median Home:$513K

Utica, NY

The Empire State

64K

Population

State Tax

Yes

Located in New York, this city has a population of 64K 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: Utica, NY vs Denver, CO

Category	Utica, NY	Denver, CO	Difference	Change
🏠Housing	$1,741/mo	$3,248/mo	↑ $1,507more	86.5%
🚗Transportation	$1,368/mo	$1,462/mo	↑ $93.81more	6.9%
📦Other	$1,734/mo	$1,774/mo	↑ $40.92more	2.4%
⚡All Utilities	$551/mo	$519/mo	↓ $31.90less	5.8%
🛒Groceries	$1,017/mo	$1,029/mo	↑ $12.37more	1.2%
🏥Healthcare	$636/mo	$632/mo	↓ $4.26less	0.7%

🏠Housing

↑ 86.5%

Utica, NY

$1,741

Denver, CO

$3,248

Difference

$1,507

🚗Transportation

↑ 6.9%

Utica, NY

$1,368

Denver, CO

$1,462

Difference

$93.81

📦Other

↑ 2.4%

Utica, NY

$1,734

Denver, CO

$1,774

Difference

$40.92

⚡All Utilities

↓ 5.8%

Utica, NY

$551

Denver, CO

$519

Difference

$31.90

less

🛒Groceries

↑ 1.2%

Utica, NY

$1,017

Denver, CO

$1,029

Difference

$12.37

🏥Healthcare

↓ 0.7%

Utica, NY

$636

Denver, CO

$632

Difference

$4.26

less

🏛️ Local Income Taxes

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

Utica, NY 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$655

To$1,720

↑ $1,065

1 Bed

From$673

To$1,840

↑ $1,167

2 Bed

From$855

To$2,190

↑ $1,335

3 Bed

From$1,022

To$2,870

↑ $1,848

Utica, NYZIP-level data

1BR range: $880–$970/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.

$7,047

Monthly in Utica, NY

$8,665

Monthly in Denver, CO

$1,618

Difference

Home Values

Utica

Denver

$196K

Median Value

$513K

↑ +8.6%

YoY Change

↓ -4.2%

↑ +53.8%

5-Year Change

↑ +13%

$194K - $198K

Price Range

$352K - $933K

Homes in Denver are 161% more expensive than Utica

Calculate payment - Utica Calculate payment - Denver

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.9K

Per year

Monthly Difference

$245

More take-home

Effective Rate Diff

2.0%

Rate difference

Utica, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

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

Utica, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

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.