Last update: Oct 2026

Cost of Living Comparison Between Loveland, CO and Lima

For one person, living is cheaper in Lima: $996 a month against $2,900 in Loveland, CO, rent and utilities included – about $22,800 less a year. Rent and utilities account for most of the difference.

142

Cost of Living Index in Loveland, CO
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Loveland, CO Living Index
49

Cost of Living Index in Lima
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Lima Living Index

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Loveland, CO

🇺🇸 United States

$2,900

/mo nomad

Lima

🇵🇪 Peru

$996

/mo nomad

Monthly Cost of Living

How much you'll spend in Loveland, CO and in Lima

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

Monthly costs for one person with rent: $2,900 in Loveland, CO versus $996 in Lima.

Loveland, CO $2,900
Lima $996

Estimated couple costs with rent: $4,045 in Loveland, CO versus $1,594 in Lima.

Loveland, CO $4,045
Lima $1,594

Monthly costs for a family of three with rent: $5,190 in Loveland, CO versus $2,191 in Lima.

Loveland, CO $5,190
Lima $2,191

Living in Loveland, CO is roughly 191% more expensive than in Lima, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Loveland, CO is 116% above, Lima is 26% below.

Meal at Budget Restaurant

$20.66 $20.66

$4.42 PEN 15.16

367.42%

Three-Course Dinner for Two, Mid-Range

$86.0 $86.0

$35.04 PEN 120

145.29%

Fast Food Meal (McDonalds, etc)

$11.52 $11.52

$6.84 PEN 23.44

68.42%

Cappuccino

$5.80 $5.80

$3.27 PEN 11.22

77.37%

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

$3.06 $3.06

$1.10 PEN 3.78

178.18%

Water (0.33 liter bottle)

$2.17 $2.17

$0.65 PEN 2.22

233.85%

Local Beer (0.5 liter draught)

$7.14 $7.14

$2.58 PEN 8.85

176.74%

Imported Beer (0.33 liter bottle)

$7.04 $7.04

$4.47 PEN 15.34

57.49%

Milk (1 liter)

$1.07 $1.07

$1.59 PEN 5.46

-32.70%

White Bread (500g)

$5.28 $5.28

$2.58 PEN 8.86

104.65%

Rice (white) (1kg)

$2.43 $2.43

$1.36 PEN 4.65

78.68%

Eggs

$5.21 $5.21

$2.95 PEN 10.11

76.61%

Local Cheese (1kg)

$13.71 $13.71

$9.10 PEN 31.19

50.66%

Chicken Fillets (1kg)

$10.73 $10.73

$5.81 PEN 19.91

84.68%

Beef Round Steak (1kg)

$14.28 $14.28

$9.83 PEN 33.68

45.27%

Apples (1kg)

$5.26 $5.26

$2.01 PEN 6.89

161.69%

Banana (1kg)

$1.45 $1.45

$1.08 PEN 3.69

34.26%

Oranges (1kg)

$3.01 $3.01

$1.37 PEN 4.70

119.71%

Tomato (1kg)

$3.40 $3.40

$1.48 PEN 5.06

129.73%

Potato (1kg)

$2.13 $2.13

$0.96 PEN 3.30

121.88%

Onion (1kg)

$2.32 $2.32

$0.85 PEN 2.92

172.94%

Lettuce (1 head)

$2.29 $2.29

$0.88 PEN 3.02

160.23%

Water (1.5 liter bottle)

$2.32 $2.32

$0.87 PEN 2.97

166.67%

Cigarettes 20 Pack (Marlboro, Camel)

$9.86 $9.86

$5.90 PEN 20.24

67.12%

Wine (Bottle)

$16.25 $16.25

$8.81 PEN 30.20

84.45%

Local Beer (0.5 liter bottle)

$2.47 $2.47

$1.92 PEN 6.57

28.65%

Imported Beer (0.33 liter bottle)

$1.97 $1.97

$3.20 PEN 10.98

-38.44%

One-way Ticket (Public Transport)

$1.02 $1.02

$0.68 PEN 2.33

50.00%

Public Transport Monthly Pass (Regular Price)

$29.60 $29.60

$26.74 PEN 91.7

10.70%

Taxi Start (Normal Tariff)

$3.40 $3.40

$3.81 PEN 13.06

-10.76%

Taxi (Normal Tariff) (1km)

$1.21 $1.21

$2.04 PEN 7.00

-40.69%

Taxi 1hour Waiting (Normal Tariff)

$30.20 $30.20

$7.14 PEN 24.49

322.97%

Gasoline (1 liter)

$0.96 $0.96

$1.65 PEN 5.65

-41.82%

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

$34.9K $34.9K

$22.2K PEN 76.0K

57.50%

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

$27.6K $27.6K

$25.7K PEN 88.0K

7.52%

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

$166 $166

$73.0 PEN 250

127.55%

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

$75.5 $75.5

$16.26 PEN 55.7

364.39%

Internet (50+ Mbps, Unlimited Data)

$70.8 $70.8

$27.60 PEN 94.6

156.67%

Gym Membership (Monthly)

$33.95 $33.95

$33.07 PEN 113

2.66%

Tennis Court (1 Hour on Weekend)

$19.49 PEN 66.8

Cinema Ticket

$14.95 $14.95

$7.39 PEN 25.32

102.30%

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

$1,686 $1,686

$182 PEN 624

826.40%

International Primary School, 1 Child (Yearly)

$6,452 $6,452

$13.3K PEN 45.7K

-51.56%

Jeans (Levis 501 Or Similar)

$61.0 $61.0

$52.6 PEN 180

15.98%

Summer Dress (H&M, Zara, etc)

$49.88 $49.88

$34.23 PEN 117

45.72%

Sport Shoes (Adidas, Nike)

$84.1 $84.1

$83.8 PEN 287

0.43%

Men's Leather Business Shoes

$113 $113

$79.0 PEN 271

43.41%

1-bedroom Apartment, City Center (Monthly)

$1,703 $1,703

$723 PEN 2,479

135.43%

1-bedroom Apartment, Outside City Center (Monthly)

$1,632 $1,632

$340 PEN 1,166

379.97%

3-bedroom Apartment, City Center (Monthly)

$2,540 $2,540

$1,184 PEN 4,060

114.41%

3-bedroom Apartment, Outside City Center (Monthly)

$2,166 $2,166

$635 PEN 2,176

241.19%

Buy Apartment in City Center (m2)

$2,449 PEN 8,393

Buy Apartment Outside City Center (m2)

$1,372 PEN 4,701

Average Monthly Net Salary (After Tax)

$4,278 $4,278

$653 PEN 2,237

555.51%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.86

8.94

-23.27%

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

Last update for Loveland, CO: October 3, 2026

Last update for Lima: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Loveland, CO

$1.6K 55.8%

Lima

$340 33.6% 79.2% $1.3K

Groceries & Markets

Loveland, CO

$392 13.4%

Lima

$226 22.4% 42.3% $166

Eating Out

Loveland, CO

$340 11.6%

Lima

$124 12.3% 63.5% $216

Monthly Utilities & Internet

Loveland, CO

$313 10.7%

Lima

$117 11.6% 62.6% $196

Clothing & Footwear

Loveland, CO

$139 4.8%

Lima

$112 11.1% 19% $26

Sport & Entertainment

Loveland, CO

$64 2.2%

Lima

$48 4.7% 25% $16

Getting Around

Loveland, CO

$43 1.5%

Lima

$43 4.3% 0.7% $0.3

Cost Breakdown

A one-bedroom apartment in the center runs $1,703 in Loveland, CO and $723 in Lima. Housing cost is often the main lever when comparing two cities.

Loveland, CO pays 556% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $86.0 in Loveland, CO vs $35.00 in Lima for a mid-range dinner for two. Groceries echo the gap at $392 vs $226 per month, with Lima cheaper across the board.

Good to know

🇺🇸 Loveland, CO

🇵🇪 Lima

🕒 Local time

05:52 5:52 AM

06:52 6:52 AM

1 h ahead of Loveland, CO

🌤 Weather

👥 Population

61,122

9,989,369 Capital

💱 Currency

United States Dollar USD $

Peruvian Sol PEN S/

📈 Exchange rate

1 USD = 0.892 EUR

1 PEN = 0.292 USD

1 PEN = 0.26 EUR

Exchange rates and currency converter

PEN, EUR to USD – United States Dollar Converter

🇵🇪 Peruvian Sol (S/)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 11, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Peruvian Sol exchange rates as of October 11, 2026: 1 USD = 3.43 PEN (1 PEN = 0.292 USD). 1 EUR = 3.84 PEN (1 PEN = 0.26 EUR).

PEN to USD in detail →

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Loveland, CO Lima 6,510 km ≈ 9 h nonstop flight

From you

Loveland, CO
Lima

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

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

Loveland, CO and Lima differ by about 191% in total monthly costs ($2,900 vs $996 including rent). Lima is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 556% higher in Loveland, CO, 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: $1,703 in Loveland, CO versus $723 in Lima. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,686 in Loveland, CO versus $182 in Lima. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 73% higher in Loveland, CO. For households that cook at home regularly, that difference adds up over a month.

At $996 in Lima versus $2,900 in Loveland, CO, a $2,000 budget is realistic in Lima but tight or insufficient in Loveland, CO. The gap between the two cities makes Lima the clear choice for anyone on this budget.

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 Lima gentler on the wallet – expenses run 191% less than in Loveland, CO. Beyond cost, consider language, visa policies, and how big the international community is in each city.