Fort Collins vs Topeka
Cost of Living Comparison · 2026
Fort Collins
Topeka
The Verdict
Topeka is 39.8% less expensive than Fort Collins overall. A household earning $75,000 in Fort Collins would need approximately $53,664 in Topeka 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 $53,664 in Topeka.
Conversely, $75,000 in Topeka equals $104,819 in Fort Collins.
Living in Fort Collins vs Topeka
Housing Costs
Fort Collins's housing index of 142 is higher Topeka's 55, 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 $900/mo in Topeka, a monthly difference of $725.
Grocery & Food Costs
Grocery expenses index at 100 in Fort Collins and 98 in Topeka. A household spending the national average of $475/month on groceries would pay approximately $475/month in Fort Collins vs $466/month in Topeka. 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 97 in Topeka. Monthly utility bills average approximately $348 in Fort Collins vs $388 in Topeka. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 97 in Fort Collins and 96 in Topeka. 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 $55,500 in Topeka. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $64,483 and $66,867 respectively. Topeka 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 $1,295/month in Topeka. In Fort Collins, median rent of $1,625/mo fits within this budget. In Topeka, median rent of $900/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 87 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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