Cost of living in Fort Collins, CO
377,292 people (Census 2025 estimate). Overall prices are 1.1% above the US average, with housing at 120.6 on BEA’s index (US = 100). A single renter on $60,000 keeps $850 a month after 2026 taxes and modeled costs.
Typical household budgets in Fort Collins, CO
Computed by MoveMath’s engine with 2026 tax law, HUD Fair Market Rent for the bedrooms each household needs, DOL 2022 childcare prices for Larimer County, CO in current dollars, USDA Moderate-Cost food, one car per adult and $1,000 a month of other spending at US-average prices scaled by local price levels.
| Per month | Single, $60k | Couple + toddler, $110k | Family of four, $93,765 |
|---|---|---|---|
| Gross income | $5,000 | $9,167 | $7,814 |
| Taxes | $984 | $1,580 | $1,066 |
| Take-home pay | $4,016 | $7,586 | $6,748 |
| Housing | $1,589 | $1,759 | $1,759 |
| Childcare | $0 | $1,860 | $2,483 |
| Food | $423 | $949 | $1,232 |
| Transportation | $161 | $322 | $322 |
| Sales tax | $14 | $14 | $14 |
| Other goods & services | $979 | $979 | $979 |
| Left over | $850 | $1,704 | −$41 |
Family of four = two adults, a preschooler and a school-age child at the metro’s median household income ($93,765). Click a column to open it in the budget planner and change any input.
Price levels: Fort Collins, CO vs Colorado and the US
BEA Regional Price Parities, 2024. 100 = US average; bars compare the metro (dark) with Colorado statewide (light).
Within Colorado, Fort Collins, CO ranks 3rd of 7 metros on overall prices; the state as a whole is at 103.1. The dashed line marks the US average.
Rent and homeownership
| Unit | HUD Fair Market Rent | Income needed at 30% | Share of median income |
|---|---|---|---|
| Studio | $1,551 | $62,040 | 19.8% |
| 1-bedroom | $1,589 | $63,560 | 20.3% |
| 2-bedroom | $1,759 | $70,360 | 22.5% |
| 3-bedroom | $2,379 | $95,160 | 30.4% |
| 4-bedroom | $2,576 | $103,040 | 33.0% |
FY2027 FMRs for Fort Collins-Loveland, CO MSA: 40th-percentile gross rent (rent + tenant-paid utilities) for standard-quality units. Census median gross rent, all unit sizes: $1,716 (ACS 2020-2024).
Childcare prices in Larimer County, CO
| Age band | Center, weekly (2022) | Center, yearly today* | Home-based, weekly (2022) | Home-based, yearly today* |
|---|---|---|---|---|
| Infant (under 2) | $391 | $24,870 | $232 | $14,750 |
| Toddler (2) | $351 | $22,314 | $216 | $13,730 |
| Preschool (3–4) | $291 | $18,472 | $216 | $13,730 |
| School-age (5–12) | $178 | $11,323 | $177 | $11,238 |
DOL National Database of Childcare Prices, 2022 county medians for full-time care in Larimer County, CO (the metro’s principal county). *52 weeks × 1.2224, the BLS CPI change for day care and preschool from the 2022 average to 2026-08.
Taxes: what you keep in Fort Collins
| Single filer, 2026 | $50,000 | $75,000 | $120,000 |
|---|---|---|---|
| Federal income tax | $3,820 | $7,670 | $17,570 |
| Social Security + Medicare | $3,825 | $5,738 | $9,180 |
| Colorado income tax | $1,492 | $2,592 | $4,572 |
| Colorado payroll taxes | $220 | $330 | $528 |
| Take-home pay / month | $3,387 | $4,889 | $7,346 |
| Share of pay to taxes | 18.7% | 21.8% | 26.5% |
No mandatory local income tax for residents of Fort Collins in our data. State sales tax: 2.9% (state rate only; local rates add on), groceries exempt.
Calculate take-home pay for your household in Fort Collins, CO
Energy and fuel
EIA: electricity 2025, natural gas 2024, gasoline week ending 2026-10-05. Renters’ utilities are already inside gross rent.
Nearby metros
| Metro | Distance | Price level | 2-BR FMR | Single $60k left over |
|---|---|---|---|---|
| Fort Collins, CO | — | 101.1 | $1,759 | $850 |
| Greeley, CO · compare | 18 mi | 100.2 | $1,647 | $1,132 (+$282) |
| Boulder, CO · compare | 38 mi | 105.2 | $2,033 | $704 (−$146) |
| Cheyenne, WY · compare | 43 mi | 96.5 | $1,228 | $1,641 (+$791) |
| Denver, CO · compare | 55 mi | 105.8 | $2,169 | $557 (−$293) |
| Colorado Springs, CO · compare | 117 mi | 100.7 | $1,621 | $1,059 (+$209) |
| Pueblo, CO · compare | 159 mi | 91.8 | $1,263 | $1,461 (+$611) |
Common moves to and from Fort Collins, CO
Census ACS metro-to-metro migration flows (ACS 5-year 2016-2020), people who moved in a year.
- Denver, CO4,451
- Greeley, CO4,427
- Denver, CO8,289
Frequently asked questions
Is Fort Collins, CO expensive to live in?+
BEA’s Regional Price Parities put overall prices in the Fort Collins, CO metro at 101.1 (US = 100) in 2024 — 1.1% above the national average and the 65th highest of 387 metros. Housing is 120.6, goods 96.1.
What salary do you need to live in Fort Collins, CO?+
A single renter earning $60,000 keeps $4,016 a month after 2026 taxes and has $850 left after rent at HUD Fair Market Rent, food, fuel, sales tax and other modeled costs. Use the cost of living calculator to find the salary that matches your current budget.
How much is rent in Fort Collins, CO?+
HUD’s FY2027 Fair Market Rent — the 40th-percentile gross rent including utilities — is $1,589 for a 1-bedroom and $1,759 for a 2-bedroom. The Census median gross rent for all units is $1,716.
Does Fort Collins have a local income tax?+
No mandatory local income tax applies to residents of Fort Collins in our 2026 data. Colorado state income tax does apply.