Santa Fe vs Fort Collins — side-by-side
Cost of living: Santa Fe vs Fort Collins (2026)
A $65,000 salary in Santa Fe buys roughly what $65,000 does in Fort Collins (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
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Estimated annual swing
+$1,604/yr
Favoring Santa Fe for this income & household (illustrative).
With an extra $134/mo in Santa Fe, you could max a Roth IRA contribution faster and still grow your savings buffer.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Santa Fe New Mexico | Fort Collins Colorado | Who wins | Your impact at $65K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $1,200Better | $1,350 | Santa Fe wins +$150/mo | $1,800/yr saves in Santa Fe |
| 1BR rent/mo | $1,550Better | $1,700 | Santa Fe wins +$150/mo | $1,800/yr saves in Santa Fe |
| 2BR rent/mo | $2,050Better | $2,250 | Santa Fe wins +$200/mo | $2,400/yr saves in Santa Fe |
| Median home price | $480KBetter | $520K | Santa Fe wins +$40K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 99Better | 101 | Santa Fe wins +2 | — |
| Budget meal (1 person) | $13Better | $14 | Santa Fe wins +$1/mo | — |
| Mid-range dinner (2) | $58Better | $60 | Santa Fe wins +$2/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $40Wins | $55 | Santa Fe wins +$15/mo | — |
| Gas price/gal | $3.15Better | $3.40 | Santa Fe wins +$0.25 | — |
| Car insurance/mo | $142 | $140Better | Fort wins −$2/mo | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $158 | $140Better | Fort wins −$18/mo | — |
| Internet/mo | $65Better | $65 | — | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $58K | $72KWins | Fort wins +$14K more/yr | — |
| State income tax% | 4.9% | 4.4%Better | Fort wins -0.5 pp | $325/yr saves in Fort |
| Sales tax (combined)% | 7.7% | 7.5%Better | Fort wins -0.2 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $15.00Better | $15.00 | — | — |
| Gym membership/mo | $38Better | $42 | Santa Fe wins +$4/mo | — |
| Beer at restaurant | $6.50Better | $6.50 | — | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 99Better | 99 | — | — |
| Walk score / 100 | 42Wins | 36 | Santa Fe wins -6 more/yr | — |
Complete the Picture
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Tax-smart rewards
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Santa Fe fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Santa Fe.
High-yield savings
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Don't let relocation cash sit at 0% — put it to work until closing day.
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Frequently asked questions
What is the average rent in Santa Fe vs Fort Collins?
As of Q1 2026, the median 1-bedroom rent in Santa Fe is $1,550/month and in Fort Collins is $1,700/month. Santa Fe is cheaper by 9%.
How much do I need to earn in Fort Collins to match a $75,000 salary in Santa Fe?
To maintain a similar lifestyle, you would need approximately $75,000/year in Fort Collins to match a $75,000 salary in Santa Fe. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Santa Fe or Fort Collins?
Fort Collins has the lower state income tax rate at 4.4% vs 4.9%. The difference is 0.5 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Santa Fe to Fort Collins?
It depends on your priorities. Both cities have similar overall costs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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