Cost of Living Comparison Between Loveland, CO and Wellington Cost of Living Comparison Between Loveland, CO and Wellington

Monthly Cost of Living

A single person spends $2,853 per month in Loveland, CO vs $2,281 in Wellington, rent included.

A couple spends around $3,903 per month in Loveland, CO vs $3,530 in Wellington, rent included.

A family of three spends $4,953 per month in Loveland, CO vs $4,780 in Wellington, rent included.

Loveland, CO costs about 25% more than Wellington, driven mainly by Getting Around.

Both Loveland, CO and Wellington sit above the global median – Loveland, CO by 114%, Wellington by 71%.

Meal at Budget Restaurant

$20.28 $20.28

$17.23 NZ$29.63

17.70%

Three-Course Dinner for Two, Mid-Range

$85.8 $85.8

$85.4 NZ$147

0.47%

Fast Food Meal (McDonalds, etc)

$11.63 $11.63

$9.39 NZ$16.15

23.86%

Cappuccino

$4.87 $4.87

$3.65 NZ$6.28

33.42%

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

$2.81 $2.81

$2.49 NZ$4.28

12.85%

Water (0.33 liter bottle)

$2.43 $2.43

$2.11 NZ$3.63

15.17%

Local Beer (0.5 liter draught)

$6.33 $6.33

$7.35 NZ$12.65

-13.88%

Imported Beer (0.33 liter bottle)

$7.19 $7.19

$7.12 NZ$12.24

0.98%

Milk (1 liter)

$1.04 $1.04

$1.88 NZ$3.23

-44.68%

White Bread (500g)

$3.65 $3.65

$2.03 NZ$3.50

79.80%

Rice (white) (1kg)

$3.34 $3.34

$1.91 NZ$3.28

74.87%

Eggs

$4.26 $4.26

$6.91 NZ$11.89

-38.35%

Local Cheese (1kg)

$10.82 $10.82

$8.26 NZ$14.20

30.99%

Chicken Fillets (1kg)

$10.40 $10.40

$10.90 NZ$18.75

-4.59%

Beef Round Steak (1kg)

$16.61 $16.61

$12.85 NZ$22.10

29.26%

Apples (1kg)

$3.99 $3.99

$3.07 NZ$5.28

29.97%

Banana (1kg)

$1.50 $1.50

$2.23 NZ$3.84

-32.74%

Oranges (1kg)

$3.65 $3.65

$3.08 NZ$5.29

18.51%

Tomato (1kg)

$4.73 $4.73

$4.81 NZ$8.27

-1.66%

Potato (1kg)

$2.27 $2.27

$2.07 NZ$3.56

9.66%

Onion (1kg)

$2.24 $2.24

$1.66 NZ$2.85

34.94%

Lettuce (1 head)

$2.44 $2.44

$2.24 NZ$3.86

8.93%

Water (1.5 liter bottle)

$2.01 $2.01

$1.26 NZ$2.16

59.52%

Cigarettes 20 Pack (Marlboro, Camel)

$9.26 $9.26

$26.73 NZ$45.96

-65.36%

Wine (Bottle)

$19.32 $19.32

$11.17 NZ$19.21

72.96%

Local Beer (0.5 liter bottle)

$2.27 $2.27

$3.66 NZ$6.29

-37.98%

Imported Beer (0.33 liter bottle)

$2.69 $2.69

$3.22 NZ$5.54

-16.46%

One-way Ticket (Public Transport)

$1.02 $1.02

$2.74 NZ$4.71

-62.77%

Public Transport Monthly Pass (Regular Price)

$30.45 $30.45

$106 NZ$182

-71.16%

Taxi Start (Normal Tariff)

$2.56 $2.56

$2.79 NZ$4.80

-8.24%

Taxi (Normal Tariff) (1km)

$1.39 $1.39

$1.77 NZ$3.05

-21.47%

Taxi 1hour Waiting (Normal Tariff)

$24.82 $24.82

$60.1 NZ$103

-58.70%

Gasoline (1 liter)

$0.82 $0.82

$1.66 NZ$2.86

-50.60%

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

$27.1K $27.1K

$32.8K NZ$56.4K

-17.33%

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

$25.7K $25.7K

$25.4K NZ$43.7K

1.01%

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

$169 $169

$156 NZ$269

7.90%

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

$54.7 $54.7

$33.30 NZ$57.3

64.38%

Internet (50+ Mbps, Unlimited Data)

$75.2 $75.2

$51.2 NZ$88.0

46.88%

Gym Membership (Monthly)

$27.86 $27.86

$36.21 NZ$62.3

-23.06%

Tennis Court (1 Hour on Weekend)

$20.87 NZ$35.88

Cinema Ticket

$11.94 $11.94

$12.16 NZ$20.91

-1.81%

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

$1,514 $1,514

$791 NZ$1,360

91.44%

International Primary School, 1 Child (Yearly)

$12.4K $12.4K

$12.5K NZ$21.6K

-1.16%

Jeans (Levis 501 Or Similar)

$58.7 $58.7

$72.0 NZ$124

-18.49%

Summer Dress (H&M, Zara, etc)

$56.6 $56.6

$52.6 NZ$90.4

7.65%

Sport Shoes (Adidas, Nike)

$79.9 $79.9

$120 NZ$206

-33.19%

Men's Leather Business Shoes

$107 $107

$141 NZ$243

-24.17%

1-bedroom Apartment, City Center (Monthly)

$1,705 $1,705

$1,295 NZ$2,226

31.71%

1-bedroom Apartment, Outside City Center (Monthly)

$1,625 $1,625

$1,091 NZ$1,877

48.94%

3-bedroom Apartment, City Center (Monthly)

$2,551 $2,551

$2,137 NZ$3,676

19.34%

3-bedroom Apartment, Outside City Center (Monthly)

$2,251 $2,251

$1,919 NZ$3,301

17.26%

Buy Apartment in City Center (m2)

$7,057 NZ$12.1K

Buy Apartment Outside City Center (m2)

$3,779 NZ$6,498

Average Monthly Net Salary (After Tax)

$4,263 $4,263

$2,742 NZ$4,715

55.47%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.59

6.94

-5.04%

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

Last update for Loveland, CO: July 19, 2026

Last update for Wellington: July 20, 2026

Cost Breakdown

A central one-bedroom costs $1,705 in Loveland, CO versus $1,295 in Wellington. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 55% higher in Loveland, CO, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $86.0 in Loveland, CO versus $85.0 in Wellington. Monthly groceries follow the same trend: $379 vs $338 – making Wellington the more affordable choice for daily food spending.

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 Wellington: Cost of Living - Frequently Asked Questions

Loveland, CO costs about 25% more than Wellington, with the gap driven mainly by Getting Around. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $4,280 per month in Loveland, CO and $3,421 in Wellington. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Wellington, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,853 in Loveland, CO and $2,281 in Wellington. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 247% less in Wellington. For daily commuters, that gap adds up to noticeable savings over a year.

A $2,500 monthly budget goes further in Wellington, where all-in costs run around $2,281, than in Loveland, CO at $2,853. In Wellington it covers expenses comfortably, while in Loveland, CO it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Wellington costs $2,281 versus $2,853 in Loveland, CO. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Wellington. If higher salaries, better infrastructure, or specific career opportunities are the priority, Loveland, CO makes more sense. Both are solid long-term options with distinct trade-offs.