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

Monthly Cost of Living

Monthly costs for one person with rent: $2,850 in Loveland, CO versus $2,719 in Austin, TX.

Estimated couple costs with rent: $3,944 in Loveland, CO versus $4,117 in Austin, TX.

Monthly costs for a family of three with rent: $5,038 in Loveland, CO versus $5,515 in Austin, TX.

Living in Loveland, CO is roughly 5% more expensive than Austin, TX, driven mainly by Sport & Entertainment.

Both cities are pricier than the global median: Loveland, CO 113% above, Austin, TX 103% above.

Meal at Budget Restaurant

$19.91 $19.91

$19.99 $19.99

-0.40%

Three-Course Dinner for Two, Mid-Range

$83.5 $83.5

$76.2 $76.2

9.47%

Fast Food Meal (McDonalds, etc)

$11.29 $11.29

$10.13 $10.13

11.45%

Cappuccino

$4.88 $4.88

$5.49 $5.49

-11.11%

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

$2.80 $2.80

$2.72 $2.72

2.94%

Water (0.33 liter bottle)

$2.31 $2.31

$2.14 $2.14

7.94%

Local Beer (0.5 liter draught)

$6.34 $6.34

$6.07 $6.07

4.45%

Imported Beer (0.33 liter bottle)

$6.92 $6.92

$8.04 $8.04

-13.93%

Milk (1 liter)

$1.03 $1.03

$1.09 $1.09

-5.50%

White Bread (500g)

$3.60 $3.60

$3.34 $3.34

7.78%

Rice (white) (1kg)

$3.31 $3.31

$3.42 $3.42

-3.22%

Eggs

$4.03 $4.03

$4.32 $4.32

-6.71%

Local Cheese (1kg)

$11.20 $11.20

$11.80 $11.80

-5.08%

Chicken Fillets (1kg)

$10.58 $10.58

$10.68 $10.68

-0.94%

Beef Round Steak (1kg)

$16.40 $16.40

$14.50 $14.50

13.10%

Apples (1kg)

$4.12 $4.12

$4.79 $4.79

-13.99%

Banana (1kg)

$1.56 $1.56

$1.50 $1.50

4.00%

Oranges (1kg)

$3.67 $3.67

$4.51 $4.51

-18.63%

Tomato (1kg)

$4.86 $4.86

$4.04 $4.04

20.30%

Potato (1kg)

$2.33 $2.33

$2.76 $2.76

-15.58%

Onion (1kg)

$2.28 $2.28

$2.79 $2.79

-18.28%

Lettuce (1 head)

$2.50 $2.50

$2.04 $2.04

22.55%

Water (1.5 liter bottle)

$1.99 $1.99

$2.15 $2.15

-7.44%

Cigarettes 20 Pack (Marlboro, Camel)

$9.58 $9.58

$9.23 $9.23

3.79%

Wine (Bottle)

$17.78 $17.78

$14.81 $14.81

20.05%

Local Beer (0.5 liter bottle)

$2.30 $2.30

$2.29 $2.29

0.44%

Imported Beer (0.33 liter bottle)

$2.76 $2.76

$3.53 $3.53

-21.81%

One-way Ticket (Public Transport)

$0.98 $0.98

$1.52 $1.52

-35.53%

Public Transport Monthly Pass (Regular Price)

$29.47 $29.47

$43.64 $43.64

-32.47%

Taxi Start (Normal Tariff)

$2.55 $2.55

$4.29 $4.29

-40.56%

Taxi (Normal Tariff) (1km)

$1.44 $1.44

$1.82 $1.82

-20.88%

Taxi 1hour Waiting (Normal Tariff)

$24.76 $24.76

$35.52 $35.52

-30.29%

Gasoline (1 liter)

$0.80 $0.80

$0.77 $0.77

3.90%

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

$27.4K $27.4K

$25.6K $25.6K

7.03%

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

$25.6K $25.6K

$26.3K $26.3K

-2.63%

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

$166 $166

$172 $172

-3.40%

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

$55.1 $55.1

$60.3 $60.3

-8.62%

Internet (50+ Mbps, Unlimited Data)

$76.6 $76.6

$67.2 $67.2

13.86%

Gym Membership (Monthly)

$27.59 $27.59

$62.8 $62.8

-56.09%

Tennis Court (1 Hour on Weekend)

$9.85 $9.85

Cinema Ticket

$12.13 $12.13

$14.73 $14.73

-17.65%

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

$1,516 $1,516

$1,398 $1,398

8.42%

International Primary School, 1 Child (Yearly)

$12.3K $12.3K

$21.8K $21.8K

-43.47%

Jeans (Levis 501 Or Similar)

$58.5 $58.5

$55.1 $55.1

6.15%

Summer Dress (H&M, Zara, etc)

$56.5 $56.5

$45.66 $45.66

23.72%

Sport Shoes (Adidas, Nike)

$81.3 $81.3

$86.8 $86.8

-6.27%

Men's Leather Business Shoes

$108 $108

$115 $115

-6.57%

1-bedroom Apartment, City Center (Monthly)

$1,668 $1,668

$2,245 $2,245

-25.70%

1-bedroom Apartment, Outside City Center (Monthly)

$1,639 $1,639

$1,401 $1,401

16.99%

3-bedroom Apartment, City Center (Monthly)

$2,503 $2,503

$3,782 $3,782

-33.83%

3-bedroom Apartment, Outside City Center (Monthly)

$2,203 $2,203

$2,708 $2,708

-18.64%

Buy Apartment in City Center (m2)

$7,304 $7,304

Buy Apartment Outside City Center (m2)

$3,331 $3,331

Average Monthly Net Salary (After Tax)

$4,360 $4,360

$4,910 $4,910

-11.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.59

6.45

2.17%

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

Last update for Loveland, CO: April 22, 2026

Last update for Austin, TX: April 20, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,668 in Loveland, CO and $2,245 in Austin, TX. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 13% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $83 in Loveland, CO vs $76 in Austin, TX for a mid-range dinner for two. Groceries echo the gap at $378 vs $375 per month, with Austin, TX cheaper across the board.

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

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

Austin, TX wins on cost – living expenses run 5% 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.

On paper, Austin, TX earns 13% less. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,668 in Loveland, CO versus $2,245 in Austin, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,850 per month in Loveland, CO versus $2,719 in Austin, TX – a 5% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Austin, TX runs roughly 48% 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 5% less than in Loveland, CO. Beyond cost, consider language, visa policies, and how big the international community is in each city.