| Index | Commerce City | Colorado | National |
| Cost of living | 126 | 115 | 100 |
| Groceries | 105 | 104 | 100 |
| Health care | 107 | 107 | 100 |
| Housing | 173 | 136 | 100 |
| Transportation | 104 | 106 | 100 |
| Utilities | 108 | 108 | 100 |
| Lifestyle & Entertainment | 111 | 107 | 100 |
| Household Items | 103 | 105 | 100 |
| Education & Childcare | 106 | 111 | 100 |
Getting a feel for the cost of living in Commerce City is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Commerce City is 126, which is 26% higher than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.
If you're in pursuit of an economical living environment, Commerce City may not fit the bill, as it ranks among the most expensive places to reside in the United States. Just a minority of regions exhibit a cost of living that is more than 20% higher than the national average, and, unfortunately, Commerce City falls within this bracket.
Housing costs significantly influence the Commerce City cost of living index, typically accounting for a substantial portion of one's post-tax income. Regrettably, within this particular region, expenses related to both residential ownership and renting exceeded those observed in an average city by 72.7%. This entails elements such as housing and rental prices, mortgage interest rates and insurance costs.
Wondering if Commerce City is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Commerce City, for example, the median home price is 82.9% higher than what folks pay nationally, and monthly rent is 48.9% higher than the usual rates. Plus, income levels matter too, with Commerce City boasting a median household income of $123,627, which is 52% higher than the national average.
Taxes: Locations with elevated tax rates, encompassing both sales and income taxes, can be a factor in driving up the cost of living. When you're paying more in taxes for everyday household expenses, it naturally translates into higher expenses. Similarly, a higher income tax rate can also contribute to an overall higher cost of living. In Commerce City, the standard sales tax rate starts at 2.9%, and the income tax rates commence at 4.4%.
Housing: Elevated demand for housing within coveted locales has the propensity to escalate both property values and rental rates, thereby serving as a primary catalyst for an augmented cost of living. Conversely, areas witnessing diminished housing demand, particularly within less desirable environs, often experience an inversely proportional effect, leading to price reductions and subsequently contributing to a more modest cost of living. In Commerce City, the housing index is 72.7% higher than the national average.
Subsidies: Certain cities or states may institute government subsidies or assistance programs designed to alleviate the financial burdens associated with the cost of living for their residents. These programs encompass a variety of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farm subsidies. Areas that provide fewer subsidies may see an uptick in their overall cost of living.
The cost of living estimates displayed for Commerce City are modeled using a U.S. average baseline of 100, helping provide a useful comparison of local living expenses. Housing calculations include U.S. Census home price and rental data, while all other values are AI-assisted estimates based on regional cost patterns, climate, transportation, and everyday spending expectations. These values are intended for directional comparisons across cities.
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| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $150,233 | $12,519 | $3,505 | $4,507 |
| Renters | $74,831 | $6,236 | $1,746 | $2,245 |
| State | General Sales Tax | With Max Surtax |
| Colorado | 2.9% | 10% |
| State | Income Tax (Low) | Income Tax (High) |
| Colorado | 4.4% | 4.4% |
| City | Population | Cost of Living Index | National Avg. |
| Glendale CDP, CO | 80 | 109 | 9.1% |
| Lakeside, CO | 6 | 90 | 10.0% |
| Federal Heights, CO | 14,024 | 95 | 5.1% |
| North Washington, CO | 676 | 99 | 0.9% |
| Derby, CO | 9,365 | 111 | 10.6% |
| Commerce City, CO | 57,428 | 126 | 25.9% |
| City | Population | Cost of Living Index | National Avg. |
| New Brunswick, NJ | 57,400 | 124 | 23.7% |
| Carson City, NV | 57,373 | 116 | 16.0% |
| Parker, CO | 57,520 | 142 | 41.7% |
| Euless, TX | 57,525 | 104 | 4.2% |
| Kendale Lakes, FL | 57,544 | 120 | 20.2% |
| Commerce City, CO | 57,428 | 126 | 25.9% |
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