Fort Collins vs Montpelier
Cost of Living Comparison · 2026
Fort Collins
Montpelier
The Verdict
Fort Collins is 0.9% less expensive than Montpelier overall. A household earning $75,000 in Fort Collins would need approximately $75,647 in Montpelier to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Fort Collins has the same purchasing power as $75,647 in Montpelier.
Conversely, $75,000 in Montpelier equals $74,359 in Fort Collins.
Living in Fort Collins vs Montpelier
Housing Costs
Fort Collins's housing index of 142 is higher Montpelier's 131, translating to median home prices of $531,000 vs $375,000. The $156,000 difference in home prices means roughly $10,140 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,625/mo in Fort Collins compared to $1,400/mo in Montpelier, a monthly difference of $225.
Grocery & Food Costs
Grocery expenses index at 100 in Fort Collins and 104 in Montpelier. A household spending the national average of $475/month on groceries would pay approximately $475/month in Fort Collins vs $494/month in Montpelier. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 87 in Fort Collins and 123 in Montpelier. Monthly utility bills average approximately $348 in Fort Collins vs $492 in Montpelier. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 97 in Fort Collins and 107 in Montpelier. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 10-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $74,800 in Fort Collins and $82,600 in Montpelier. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $64,483 and $70,598 respectively. Montpelier residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,745/month to housing in Fort Collins vs $1,927/month in Montpelier. In Fort Collins, median rent of $1,625/mo fits within this budget. In Montpelier, median rent of $1,400/mo remains manageable. The biggest category-level difference between these two cities is Utilities, where the gap is 36 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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