Pueblo vs Santa Fe
Cost of Living Comparison · 2026
Pueblo
Santa Fe
The Verdict
Pueblo is 23.1% less expensive than Santa Fe overall. A household earning $75,000 in Pueblo would need approximately $97,500 in Santa Fe 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 Pueblo has the same purchasing power as $97,500 in Santa Fe.
Conversely, $75,000 in Santa Fe equals $57,692 in Pueblo.
Living in Pueblo vs Santa Fe
Housing Costs
Pueblo's housing index of 81 is lower Santa Fe's 153, translating to median home prices of $247,000 vs $480,000. The $233,000 difference in home prices means roughly $15,144 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,075/mo in Pueblo compared to $1,600/mo in Santa Fe, a monthly difference of $525.
Grocery & Food Costs
Grocery expenses index at 99 in Pueblo and 103 in Santa Fe. A household spending the national average of $475/month on groceries would pay approximately $470/month in Pueblo vs $489/month in Santa Fe. 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 96 in Pueblo and 96 in Santa Fe. Monthly utility bills average approximately $384 in Pueblo vs $384 in Santa Fe. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 102 in Pueblo and 95 in Santa Fe. 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 $56,700 in Pueblo and $61,982 in Santa Fe. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $63,000 and $52,976 respectively. Pueblo residents enjoy stronger real purchasing power despite lower nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,323/month to housing in Pueblo vs $1,446/month in Santa Fe. In Pueblo, median rent of $1,075/mo fits within this budget. In Santa Fe, median rent of $1,600/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Housing, where the gap is 72 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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