Cost Of Living in Garden City, CO

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A+

1%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

21%

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	Garden City	Colorado	National
Cost of living	99	115	100
Groceries	102	104	100
Health care	108	107	100
Housing	79	136	100
Transportation	107	106	100
Utilities	113	108	100
Lifestyle & Entertainment	107	107	100
Household Items	107	105	100
Education & Childcare	117	111	100

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Cost Of Living Quick Facts

The cost of living in Garden City is 14% lower than the Colorado average
The cost of living in Garden City is 1% lower than the national average
Garden City housing is 21% 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

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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	$0	$0	$0	$0
Renters	$56,023	$4,669	$1,307	$1,681

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.
Ault, CO	2,198	112	11.7%
Gilcrest, CO	1,415	112	12.4%
La Salle, CO	3,448	115	14.7%
Evans, CO	22,678	115	15.2%
Kersey, CO	1,932	116	15.5%
Garden City, CO	214	99	0.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
White Hills, AZ	214	99	1.4%
Thor, IA	214	82	17.8%
Sammons Point, IL	214	100	0.2%
Grantville, KS	214	82	18.4%
Princeton, KS	214	83	17.5%
Garden City, CO	214	99	0.9%