Cost of Living in Cortez, CO

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A+
5%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
10%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Cortez Colorado National
Cost of living95115100
Groceries101104100
Health care99107100
Housing90136100
Transportation98106100
Utilities96108100
Lifestyle & Entertainment95107100
Household Items99105100
Education & Childcare95111100
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Homes For Sale In Cortez, CO

property for sale

23825 Road F.4

Cortez, CO
property for sale

16932 Rd 20

Cortez, CO
property for sale

600 S Beech St

Cortez, CO
property for sale

612 S Ash St

Cortez, CO
See the Newest Homes For Sale In Cortez, CO

Cost Of Living Quick Facts

  • The cost of living in Cortez is 17% lower than the Colorado average
  • The cost of living in Cortez is 5% lower than the national average
  • Cortez housing is 10% lower 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

Most Affordable Places to Live in and Around Cortez

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Compare Cortez, CO Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$77,849$6,487$1,816$2,336
      Renters$56,799$4,733$1,325$1,704
      To approximate the cost of living and the housing affordability in Cortez, 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 Cortez have a median income of $77,849. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,816 per month to avoid calamity and poverty. The renters in the city have an income of about $56,799, which would make their monthly maximum allowable rental costs $1,325.

      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%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Towaoc, CO1,166937.4%
      Dolores, CO1,047946.0%
      Lewis, CO19211211.6%
      Cortez, CO9,056954.6%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Edgewater, MD9,05613232.0%
      Pulaski, VA9,058927.8%
      Monmouth, IL9,0668416.2%
      Smithville, NJ9,06711010.2%
      Riverside, IL9,04412828.4%
      Cortez, CO9,056954.6%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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