Cost of Living in Fort Collins: Is It Affordable to Move Here?

What You Need to Know Before You Relocate

If Fort Collins is on your radar as a potential new hometown, you're probably wondering: Can I actually afford to live there? The good news is—yes, you probably can. While housing prices have crept up in recent years (as they have in much of Colorado), Fort Collins still holds its own as an affordable, balanced place to live—especially compared to pricier cities like Boulder or Denver.

With a reputation for beautiful scenery, well-run public services, and a welcoming community, Fort Collins offers great value for families, professionals, and remote workers looking to enjoy a high quality of life.

Breaking Down the Cost of Living

Here’s what a typical monthly budget might look like in Fort Collins:

Housing

This is usually the biggest expense.

• Downtown and Old Town Fort Collins: Higher rent/mortgage due to location, charm, and walkability.

• South and East Fort Collins: More bang for your buck, with newer neighborhoods and family-friendly communities.

Utilities

Electricity, water, gas, trash, and internet are generally moderately priced. You won’t see the extremes you might in very hot or cold climates. Expect reliable service and average monthly costs.

Groceries and Food

You’ve got options:

• Affordable staples from big-box grocery stores

• Local and organic finds at farmers' markets and co-ops

• Dining out ranges from casual eats to gourmet restaurants, so you can easily balance indulgence with savings.

Transportation

• Most locals own a car, but Fort Collins also has a decent public transportation system.

• Bike-friendly infrastructure means many residents save gas money by cycling.

Healthcare, Entertainment, and Other Costs

• Healthcare providers are plentiful, and pricing is competitive.

• Entertainment options include breweries, outdoor activities, local events, and the arts—all accessible without breaking the bank.

A Budget-Friendly City with Big Perks

Fort Collins features a moderate tax rate and reasonable costs for goods and services. It’s not the cheapest city in the U.S., but it offers excellent value for the lifestyle it delivers.

To stay on top of finances, many residents:

• Use budgeting apps

• Take advantage of local coupons and discount days

• Plan ahead for larger annual expenses like insurance or taxes

The Bottom Line: Fort Collins Is a Smart Move

When you weigh the costs against the quality of life, Fort Collins shines. It’s less chaotic than Denver, more affordable than Boulder, and full of opportunities to live well—even on a moderate income. You get the best of both worlds: a vibrant city feel and quick access to mountain trails, lakes, and fresh air.

Thinking of relocating? Fort Collins offers a lifestyle that's hard to beat—balanced, active, and full of potential. If you're ready to make the move, it's a decision your budget (and your happiness) will thank you for.

FIND COLORADO REAL ESTATE

(970) 237-4993

info@findcolorado.com