Concord vs Denver
Cost of Living Comparison · 2026 Data
Concord
Denver
💡 The Verdict
Concord is 4% cheaper than Denver overall. A $75,000 salary in Concord is equivalent to $78,319 in Denver.
Category-by-Category Breakdown
Index values for Concord (left) vs Denver (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in Concord versus Denver. Differences shown from Concord perspective.
| Item | Concord | Denver | Difference |
|---|---|---|---|
| 1-Bed Rent | $1,110/mo | $1,420/mo | $-310.00 |
| 2-Bed Rent | $1,500/mo | $1,900/mo | $-400.00 |
| 3-Bed Rent | $1,870/mo | $2,410/mo | $-540.00 |
| Bread (loaf) | $3.05 | $3.06 | $-0.01 |
| Milk (gallon) | $3.83 | $4.03 | $-0.20 |
| Eggs (dozen) | $3.34 | $2.89 | +$0.45 |
| Coffee (latte) | $5.62 | $5.83 | $-0.21 |
| Gas (gallon) | $3.55 | $3.29 | +$0.26 |
| Restaurant Meal | $17.19 | $18.25 | $-1.06 |
💰 Salary Equivalence
A $75,000 salary in Concord has the same purchasing power as $78,319 in Denver.
Conversely, $75,000 in Denver equals $71,822 in Concord.
💼 Take-Home Pay Comparison
Estimated annual take-home pay on a $75,000 salary after federal, FICA, and state income taxes.
The $3301 difference is driven by Colorado having a higher state income tax rate. New Hampshire details → · Colorado details →
Reading These Numbers: Concord (113) vs Denver (118)
Concord at 113 is 13% above the US average, while Denver at 118 is 18% above average. The cost difference between these cities is relatively modest.
In Concord, the composite index of 113 reflects a weighted calculation where housing carries the most influence at 115, followed by groceries (106), utilities (107), transportation (110), and healthcare (113). Costs are fairly balanced across categories.
For renters: With median rents of $1,500/mo in Concord and $1,900/mo in Denver, the annual rent difference is approximately $4,800.0. Over a 5-year period, that compounds to $24,000.0 in savings by choosing the more affordable city.
For homebuyers: The $170,000.0 difference in median home prices between Concord and Denver translates to meaningful differences in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.
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Making Your Decision: Concord vs Denver
Choosing between Concord and Denver involves more than just comparing index numbers. Consider how each category aligns with your personal spending patterns. If you work from home, transportation costs matter less than housing and utilities. If you eat out frequently, the groceries index may understate your actual food spending — look at the restaurant meal prices in the detailed comparison table above instead.
Beyond the numbers shown above, quality of life differences between Concord and Denver can meaningfully affect your financial picture in ways the index does not capture. Commute time translates to fuel costs and vehicle depreciation. Climate affects utility bills seasonally. Access to public parks and free cultural venues reduces entertainment spending. Consider these secondary financial effects alongside the direct cost comparisons when making your final decision.