Fort Collins vs St. Louis
Cost of Living Comparison · 2026
Fort Collins
St. Louis
The Verdict
St. Louis is 28.9% less expensive than Fort Collins overall. A household earning $75,000 in Fort Collins would need approximately $58,190 in St. Louis 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 $58,190 in St. Louis.
Conversely, $75,000 in St. Louis equals $96,667 in Fort Collins.
Living in Fort Collins vs St. Louis
Housing Costs
Fort Collins's housing index of 142 is higher St. Louis's 72, translating to median home prices of $531,000 vs $175,000. The $356,000 difference in home prices means roughly $23,136 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,625/mo in Fort Collins compared to $1,000/mo in St. Louis, a monthly difference of $625.
Grocery & Food Costs
Grocery expenses index at 100 in Fort Collins and 97 in St. Louis. A household spending the national average of $475/month on groceries would pay approximately $475/month in Fort Collins vs $461/month in St. Louis. 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 95 in St. Louis. Monthly utility bills average approximately $348 in Fort Collins vs $380 in St. Louis. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 97 in Fort Collins and 95 in St. Louis. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $74,800 in Fort Collins and $45,782 in St. Louis. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $64,483 and $50,869 respectively. Fort Collins residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,745/month to housing in Fort Collins vs $1,068/month in St. Louis. In Fort Collins, median rent of $1,625/mo fits within this budget. In St. Louis, median rent of $1,000/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 70 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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