Cost Of Living in Berthoud, CO

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C+

26%

Overall NAT. AVG.

4%

Goods & Services NAT. AVG.

88%

Housing NAT. AVG.

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Berthoud	Colorado	National
Cost of living	126	111	100
Goods & Services	104	104	100
Groceries	96	101	100
Health care	89	100	100
Housing	188	134	100
Transportation	109	105	100
Utilities	88	91	100

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Cost Of Living Quick Facts

The cost of living in Berthoud is 14% higher than the Colorado average
The cost of living in Berthoud is 26% higher than the national average
Berthoud housing is 88% higher than the national average
Colorado general sales tax is 43% lower than the national average
Colorado state income tax is 69% higher than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$93,827	$7,819	$2,189	$2,815
Renters	$51,060	$4,255	$1,191	$1,532

To approximate the cost of living and the housing affordability in Berthoud, CO, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Berthoud have a median income of $93,827. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,189 per month to avoid calamity and poverty. The renters in the city have an income of about $51,060, which would make their monthly maximum allowable rental costs $1,191.

Colorado Sales Tax

State	General Sales Tax	With Max Surtax
Colorado	2.9%	10%

Colorado Income Tax

State	Income Tax (Low)	Income Tax (High)
Colorado	4.4%	4.4%

Goods & Services

Item	Berthoud	National avg.	Difference
Haircut	$25.33	$24.26	4.4%
Beauty Salon	$45.45	$45.56	0.3%
Toothpaste	$4.12	$3.70	11.4%
Shampoo	$1.19	$1.28	6.8%
Movie	$11.09	$12.13	8.6%
Bowling	$22.22	$18.00	23.5%

Groceries

Item	Berthoud	National avg.	Difference
Ground Beef	$5.56	$5.84	4.8%
Fried Chicken	$1.43	$1.57	8.9%
Milk	$4.89	$4.67	4.7%
Potatoes	$4.62	$4.93	6.4%
Pizza	$11.06	$12.09	8.5%
Beer	$11.34	$10.41	8.9%

Health Care

Item	Berthoud	National avg.	Difference
Optometrist	$110.45	$125.68	12.1%
Doctor	$188.89	$135.78	39.1%
Dentist	$107.78	$113.29	4.9%
Ibuprofen	$10.80	$10.65	1.4%
Lipitor	$477.35	$468.60	1.9%

Housing

Item	Berthoud	National avg.	Difference
Home Price	$365,800.00	$184,700.00	98.1%
Avg. Mortgage Payment	$2,542.08	$2,346.69	8.3%
Apartment Rent	$1,565.00	$949.00	64.9%

Transportation

Item	Berthoud	National avg.	Difference
Gasoline	$3.58	$3.46	3.4%
Tire Balancing	$73.58	$59.92	22.8%

Utilities

Item	Berthoud	National avg.	Difference
All Electricity	$161.00	$193.99	17.0%
Phone	$195.56	$192.25	1.7%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Platteville, CO	3,017	111	11.0%
Milliken, CO	7,862	114	14.3%
Mead, CO	4,978	120	19.9%
Loveland, CO	81,774	121	21.1%
Johnstown, CO	14,357	125	25.4%
Berthoud, CO	8,574	126	26.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Mount Pleasant, IA	8,574	90	10.3%
Stony Brook University, NY	8,574	112	12.4%
Signal Mountain, TN	8,574	120	20.1%
Hailey, ID	8,575	119	18.9%
Otterburn Park, QC	8,571	n/a
Berthoud, CO	8,574	126	26.3%