Is Denver, CO cheaper than Winter Garden, FL?

Based on cost of living data, Denver, CO is 11.3% more expensive than Winter Garden, FL. This translates to spending an extra $849 per month.

What salary do I need in Denver, CO to live like I do in Winter Garden, FL?

If you earn $150,000 in Winter Garden, FL, you'd need approximately $160,189.938 in Denver, CO to maintain the same standard of living.

How does housing cost compare between Winter Garden, FL and Denver, CO?

Housing in Denver, CO is 39.2% more expensive than in Winter Garden, FL. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $1,916/month in Winter Garden, FL.

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

Living in Denver, CO costs approximately $849 more per month than Winter Garden, FL, or $10190 more per year, based on a $150,000 salary.

Winter Garden, FL vs Denver, CO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Winter Garden, FL — ZIP-level rent data · COL adjusted from Orlando, FL area

Current salary in Winter Garden, FL

Numbers update automatically as you type

You'd spend $849/month more in Denver, CO

$150.0K in your current city equals $160.2K in Denver, CO

Rent data from HUD ZIP-level estimates · COL index from Orlando-Kissimmee-Sanford, FL area

Overall Cost

↑ 11.3%

More expensive

Monthly Impact

$849

Extra cost

Annual Impact

$10.2K

Per year

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

Winter Garden, FL

Population:47K

Cost Index:100

Median Home:$563K

Denver, CO

Population:716K

Cost Index:111

Median Home:$513K

Winter Garden, FL

The Sunshine State

47K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 47K 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: Winter Garden, FL vs Denver, CO

Category	Winter Garden, FL	Denver, CO	Difference	Change
🏠Housing	$2,334/mo	$3,248/mo	↑ $915more	39.2%
🚗Transportation	$1,232/mo	$1,462/mo	↑ $230more	18.7%
🏥Healthcare	$558/mo	$632/mo	↑ $73.67more	13.2%
⚡All Utilities	$562/mo	$519/mo	↓ $42.86less	7.6%
📦Other	$1,734/mo	$1,774/mo	↑ $40.03more	2.3%
🛒Groceries	$998/mo	$1,029/mo	↑ $30.93more	3.1%

🏠Housing

↑ 39.2%

Winter Garden, FL

$2,334

Denver, CO

$3,248

Difference

$915

🚗Transportation

↑ 18.7%

Winter Garden, FL

$1,232

Denver, CO

$1,462

Difference

$230

🏥Healthcare

↑ 13.2%

Winter Garden, FL

$558

Denver, CO

$632

Difference

$73.67

⚡All Utilities

↓ 7.6%

Winter Garden, FL

$562

Denver, CO

$519

Difference

$42.86

less

📦Other

↑ 2.3%

Winter Garden, FL

$1,734

Denver, CO

$1,774

Difference

$40.03

🛒Groceries

↑ 3.1%

Winter Garden, FL

$998

Denver, CO

$1,029

Difference

$30.93

🏛️ Local Income Taxes

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

Winter Garden, 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$1,606

To$1,720

↑ $114

1 Bed

From$1,680

To$1,840

↑ $160

2 Bed

From$1,916

To$2,190

↑ $274

3 Bed

From$2,406

To$2,870

↑ $464

Winter Garden, FLZIP-level data

1BR range: $2,060–$2,060/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.

$7,418

Monthly in Winter Garden, FL

$8,665

Monthly in Denver, CO

$1,246

Difference

Home Values

Winter Garden

Denver

$563K

Median Value

$513K

↓ -3.9%

YoY Change

↓ -4.2%

↑ +42.5%

5-Year Change

↑ +13%

$563K

Price Range

$352K - $933K

Homes in Denver are 9% less expensive than Winter Garden

Calculate payment - Winter Garden 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

Winter Garden, 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

Winter Garden, 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.