Last update: Oct 2026

Cost of Living Comparison Between Austin, TX and Loveland, CO

For one person, living is cheaper in Austin, TX: $2,698 a month against $2,913 in Loveland, CO, rent and utilities included – about $2,600 less a year. Higher rent and utilities in Loveland, CO outweigh lower spending on other living expenses.

129

Cost of Living Index in Austin, TX
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Austin, TX Living Index
141

Cost of Living Index in Loveland, CO
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Loveland, CO Living Index

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Austin, TX

🇺🇸 United States

$2,698

/mo nomad

Loveland, CO

🇺🇸 United States

$2,913

/mo nomad

Monthly Cost of Living

How much you'll spend in Austin, TX and in Loveland, CO

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Austin, TX and in Loveland, CO actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,698 in Austin, TX versus $2,913 in Loveland, CO.

Austin, TX $2,698
Loveland, CO $2,913

Estimated couple costs with rent: $4,160 in Austin, TX versus $4,012 in Loveland, CO.

Austin, TX $4,160
Loveland, CO $4,012

Monthly costs for a family of three with rent: $5,622 in Austin, TX versus $5,112 in Loveland, CO.

Austin, TX $5,622
Loveland, CO $5,112

Living in Austin, TX costs roughly 7% less than in Loveland, CO, and outside of rent the biggest gap is in leisure.

Both cities are pricier than the global median: Austin, TX 99% above, Loveland, CO 115% above.

Meal at Budget Restaurant

$20.63 $20.63

$20.76 $20.76

-0.63%

Three-Course Dinner for Two, Mid-Range

$84.6 $84.6

$86.0 $86.0

-1.69%

Fast Food Meal (McDonalds, etc)

$12.07 $12.07

$12.19 $12.19

-0.98%

Cappuccino

$5.48 $5.48

$6.17 $6.17

-11.18%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$3.80 $3.80

$3.08 $3.08

23.38%

Water (0.33 liter bottle)

$2.47 $2.47

$2.21 $2.21

11.76%

Local Beer (0.5 liter draught)

$8.05 $8.05

$7.15 $7.15

12.59%

Imported Beer (0.33 liter bottle)

$8.88 $8.88

$6.85 $6.85

29.64%

Milk (1 liter)

$1.11 $1.11

$1.02 $1.02

8.82%

White Bread (500g)

$3.72 $3.72

$5.05 $5.05

-26.34%

Rice (white) (1kg)

$3.37 $3.37

$2.52 $2.52

33.73%

Eggs

$4.32 $4.32

$5.23 $5.23

-17.40%

Local Cheese (1kg)

$13.13 $13.13

$13.90 $13.90

-5.54%

Chicken Fillets (1kg)

$14.15 $14.15

$10.46 $10.46

35.28%

Beef Round Steak (1kg)

$16.33 $16.33

$14.01 $14.01

16.56%

Apples (1kg)

$4.55 $4.55

$4.98 $4.98

-8.63%

Banana (1kg)

$1.46 $1.46

$1.38 $1.38

5.80%

Oranges (1kg)

$4.71 $4.71

$2.91 $2.91

61.86%

Tomato (1kg)

$4.15 $4.15

$3.37 $3.37

23.15%

Potato (1kg)

$2.58 $2.58

$2.06 $2.06

25.24%

Onion (1kg)

$2.35 $2.35

$2.26 $2.26

3.98%

Lettuce (1 head)

$1.77 $1.77

$2.37 $2.37

-25.32%

Water (1.5 liter bottle)

$2.14 $2.14

$2.33 $2.33

-8.15%

Cigarettes 20 Pack (Marlboro, Camel)

$10.10 $10.10

Wine (Bottle)

$15.19 $15.19

$15.74 $15.74

-3.49%

Local Beer (0.5 liter bottle)

$2.82 $2.82

$2.54 $2.54

11.02%

Imported Beer (0.33 liter bottle)

$3.44 $3.44

$1.97 $1.97

74.62%

One-way Ticket (Public Transport)

$1.54 $1.54

$0.98 $0.98

57.14%

Public Transport Monthly Pass (Regular Price)

$40.99 $40.99

$29.56 $29.56

38.67%

Taxi Start (Normal Tariff)

$2.80 $2.80

$3.45 $3.45

-18.84%

Taxi (Normal Tariff) (1km)

$1.60 $1.60

$1.16 $1.16

37.93%

Taxi 1hour Waiting (Normal Tariff)

$34.34 $34.34

$30.53 $30.53

12.48%

Gasoline (1 liter)

$0.94 $0.94

$0.95 $0.95

-1.05%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$34.0K $34.0K

$30.0K $30.0K

13.43%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$26.8K $26.8K

$26.9K $26.9K

-0.35%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$223 $223

$165 $165

34.94%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$58.9 $58.9

$78.2 $78.2

-24.66%

Internet (50+ Mbps, Unlimited Data)

$70.6 $70.6

$71.7 $71.7

-1.55%

Gym Membership (Monthly)

$57.7 $57.7

$32.75 $32.75

76.18%

Tennis Court (1 Hour on Weekend)

$16.53 $16.53

Cinema Ticket

$14.26 $14.26

$14.86 $14.86

-4.04%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,511 $1,511

$1,684 $1,684

-10.31%

International Primary School, 1 Child (Yearly)

$20.9K $20.9K

$6,530 $6,530

219.94%

Jeans (Levis 501 Or Similar)

$51.3 $51.3

$61.0 $61.0

-15.88%

Summer Dress (H&M, Zara, etc)

$44.17 $44.17

$50.7 $50.7

-12.81%

Sport Shoes (Adidas, Nike)

$87.0 $87.0

$85.7 $85.7

1.56%

Men's Leather Business Shoes

$104 $104

$116 $116

-10.31%

1-bedroom Apartment, City Center (Monthly)

$1,940 $1,940

$1,711 $1,711

13.38%

1-bedroom Apartment, Outside City Center (Monthly)

$1,316 $1,316

$1,619 $1,619

-18.68%

3-bedroom Apartment, City Center (Monthly)

$3,664 $3,664

$2,513 $2,513

45.84%

3-bedroom Apartment, Outside City Center (Monthly)

$2,565 $2,565

$2,186 $2,186

17.33%

Buy Apartment in City Center (m2)

$7,354 $7,354

Buy Apartment Outside City Center (m2)

$3,129 $3,129

Average Monthly Net Salary (After Tax)

$5,286 $5,286

$4,429 $4,429

19.35%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

6.86

-1.02%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Austin, TX: October 19, 2026

Last update for Loveland, CO: October 19, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Austin, TX

$1.3K 48.8%

Loveland, CO

$1.6K 55.6% 23% $302

Groceries & Markets

Austin, TX

$406 15.1%

Loveland, CO

$386 13.2% 5% $20

Monthly Utilities & Internet

Austin, TX

$352 13.1%

Loveland, CO

$315 10.8% 10.6% $37

Eating Out

Austin, TX

$350 13%

Loveland, CO

$347 11.9% 0.8% $2.7

Clothing & Footwear

Austin, TX

$129 4.8%

Loveland, CO

$141 4.8% 9.4% $12

Sport & Entertainment

Austin, TX

$86 3.2%

Loveland, CO

$62 2.1% 27.5% $24

Getting Around

Austin, TX

$58 2.2%

Loveland, CO

$43 1.5% 26.3% $15

Cost Breakdown

A one-bedroom apartment in the center runs $1,940 in Austin, TX and $1,711 in Loveland, CO. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 19% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $85.0 in Austin, TX vs $86.0 in Loveland, CO. Groceries flip the comparison at $406 vs $386, with Loveland, CO cheaper for home cooking.

Good to know

🇺🇸 Austin, TX

🇺🇸 Loveland, CO

🕒 Local time

20:24 8:24 PM

19:24 7:24 PM

1 h behind Austin, TX

🌤 Weather

👥 Population

974,447

61,122

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Austin, TX Loveland, CO 1,310 km ≈ 2 h 15 min nonstop flight

From you

Austin, TX
Loveland, CO

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Austin, TX vs Loveland, CO: Cost of Living - Frequently Asked Questions

Austin, TX wins on cost – living expenses run 8% lower than in Loveland, CO. Housing and daily spending are where you'll feel the difference most, making Austin, TX the obvious pick if budget is a priority.

Average pay runs 19% higher in Austin, TX, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,940 in Austin, TX versus $1,711 in Loveland, CO. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,698 per month in Austin, TX versus $2,913 in Loveland, CO – a 8% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Austin, TX runs roughly 39% less than in Loveland, CO. Both cities have functional networks, but the price difference matters if you're watching your budget.

Both cities are expensive relative to $2,000. Austin, TX is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Expats usually find Austin, TX gentler on the wallet – expenses run 8% less than in Loveland, CO. Beyond cost, consider language, visa policies, and how big the international community is in each city.