Windsor, CO vs American Fork, UT: Cost of Living

Which city costs less?

American Fork, UT has a modeled overall cost index 11.1% lower than Windsor, CO.

Windsor, CO · modeled 2BR rent: $1,860 / month
American Fork, UT · modeled 2BR rent: $1,700 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Windsor, CO and American Fork, UT using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Windsor, CO

Numbers update automatically as you type

Estimated savings: $868/month in American Fork, UT

$150,000 in your current city has a modeled equivalent of $139,587 in American Fork, UT

Regional cost estimates: Windsor, CO uses Denver, CO. American Fork, UT uses Boise, ID. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 11.1%

Less expensive

Monthly Impact

$868

Savings

Annual Impact

$10.4K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Windsor, CO

Population:40K

Cost Index:

100.9

100 = national average

Typical Home:$542K

American Fork, UT

Population:39K

Cost Index:

89.8

100 = national average

Typical Home:$588K

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Windsor, CO

The Centennial State

40K

Population

State Tax

Yes

Located in Colorado, this city has a population of 40K residents.

American Fork, UT

The Beehive State

39K

Population

State Tax

Yes

Located in Utah, this city has a population of 39K residents.

Cost Breakdown by Category

Estimated monthly spending: Windsor, CO vs American Fork, UT

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Windsor, CO	American Fork, UT	Difference	Change
Housing	$2,599/mo	$2,207/mo	↓ $392less	15.1%
Transportation	$1,300/mo	$1,087/mo	↓ $212less	16.3%
Other	$1,578/mo	$1,456/mo	↓ $121less	7.7%
Groceries	$955/mo	$873/mo	↓ $82.05less	8.6%
All Utilities	$482/mo	$434/mo	↓ $48.15less	10.0%
Healthcare	$587/mo	$575/mo	↓ $11.98less	2.0%

Housing

↓ 15.1%

Windsor, CO

$2,599

American Fork, UT

$2,207

Difference

$392

less

Transportation

↓ 16.3%

Windsor, CO

$1,300

American Fork, UT

$1,087

Difference

$212

less

Other

↓ 7.7%

Windsor, CO

$1,578

American Fork, UT

$1,456

Difference

$121

less

Groceries

↓ 8.6%

Windsor, CO

$955

American Fork, UT

$873

Difference

$82.05

less

All Utilities

↓ 10.0%

Windsor, CO

$482

American Fork, UT

$434

Difference

$48.15

less

Healthcare

↓ 2.0%

Windsor, CO

$587

American Fork, UT

$575

Difference

$11.98

less

🏠Rent Comparison

Studio

From$1,430

To$1,460

↑ $30.00

1 Bed

From$1,500

To$1,470

↓ $30.00

2 Bed

From$1,860

To$1,700

↓ $160

3 Bed

From$2,580

To$2,360

↓ $220

Windsor, COZIP-level data

1BR range: $1,500–$1,500/mo

American Fork, UTZIP-level data

1BR range: $1,470–$1,470/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Windsor, CO

$6,632

Monthly in American Fork, UT

$868

Difference

Home Values

Windsor

American Fork

$542K

Median Value

$588K

↓ -2.4%

YoY Change

↑ +2.4%

↑ +21.3%

5-Year Change

↑ +34%

Homes in American Fork are 8% more expensive than Windsor

Calculate payment - Windsor Calculate payment - American Fork

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $675

More taxes

Monthly Difference

$56.25

Less take-home

Effective Rate Diff

0.5%

Rate difference

Windsor, 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

American Fork, UT

Federal Income Tax

Effective: 18.9%

$25.5K

Utah State Tax

Effective: 4.9%

$7.3K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.5%

$44.3K

Take-Home Pay

$8,809/month

$105.7K

Additional Tax Information

Windsor, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

American Fork, UT Tax Rates

Sales Tax:7.4%

Property Tax:0.6%

💡 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.

Environment

Windsor

American Fork

55 Moderate

Air Quality

44 Good

35.2%

Good Air Days

62.8%

95 High

Climate Risk

88 Moderate

🌊🌪💨

Top Hazards

🔥💨

▲+3.3°F

2050 Outlook

▲+3.3°F

28 days

Heat Days >95°F

49 days

▲+3.3°F

2050 Outlook

▲+3.3°F

28 days

Heat Days >95°F

49 days

Before moving from Windsor, CO to American Fork, UT

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in American Fork, UT for the same bedroom count and included utilities as your home in Windsor, CO. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Windsor to American Fork moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to American Fork, UT by cost, housing, population and region.

Frequently Asked Questions: Windsor, CO vs American Fork, UT

How do the cost estimates for Windsor, CO and American Fork, UT compare?

American Fork, UT has a modeled overall cost index 11.1% lower than Windsor, CO. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Windsor, CO, the model estimates $139,587 in American Fork, UT. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Windsor, CO and American Fork, UT?

The modeled two-bedroom rents are $1,860/month in Windsor, CO and $1,700/month in American Fork, UT. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Colorado and Utah on TaxTakeHome.com