Last update: Oct 2026

Cost of Living Comparison Between Loveland, CO and Wellington

For one person, living is cheaper in Wellington: $2,376 a month against $2,913 in Loveland, CO, rent and utilities included – about $6,400 less a year. Rent and utilities account for most of the difference.

141

Cost of Living Index in Loveland, CO
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Loveland, CO Living Index
115

Cost of Living Index in Wellington
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Wellington Living Index

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Loveland, CO

🇺🇸 United States

$2,913

/mo nomad

Wellington

🇳🇿 New Zealand

$2,376

/mo nomad

Monthly Cost of Living

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

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 Wellington actually costs, broken down by who's living it.

A single person spends $2,913 per month in Loveland, CO vs $2,376 in Wellington, rent included.

Loveland, CO $2,913
Wellington $2,376

A couple spends around $4,012 per month in Loveland, CO vs $3,407 in Wellington, rent included.

Loveland, CO $4,012
Wellington $3,407

A family of three spends $5,112 per month in Loveland, CO vs $4,439 in Wellington, rent included.

Loveland, CO $5,112
Wellington $4,439

Loveland, CO costs about 23% more than Wellington, and outside of rent the biggest gap is in eating out.

Both Loveland, CO and Wellington sit above the global median – Loveland, CO by 115%, Wellington by 75%.

Meal at Budget Restaurant

$20.76 $20.76

$14.01 NZ$24.78

48.18%

Three-Course Dinner for Two, Mid-Range

$86.0 $86.0

$65.8 NZ$116

30.75%

Fast Food Meal (McDonalds, etc)

$12.19 $12.19

$9.37 NZ$16.56

30.10%

Cappuccino

$6.17 $6.17

$3.40 NZ$6.02

81.47%

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

$3.08 $3.08

$2.46 NZ$4.35

25.20%

Water (0.33 liter bottle)

$2.21 $2.21

$1.75 NZ$3.09

26.29%

Local Beer (0.5 liter draught)

$7.15 $7.15

$7.27 NZ$12.85

-1.65%

Imported Beer (0.33 liter bottle)

$6.85 $6.85

$6.71 NZ$11.87

2.09%

Milk (1 liter)

$1.02 $1.02

$1.94 NZ$3.43

-47.42%

White Bread (500g)

$5.05 $5.05

$2.15 NZ$3.81

134.88%

Rice (white) (1kg)

$2.52 $2.52

$1.83 NZ$3.25

37.70%

Eggs

$5.23 $5.23

$6.88 NZ$12.16

-23.98%

Local Cheese (1kg)

$13.90 $13.90

$9.19 NZ$16.26

51.25%

Chicken Fillets (1kg)

$10.46 $10.46

$9.99 NZ$17.67

4.70%

Beef Round Steak (1kg)

$14.01 $14.01

$14.97 NZ$26.48

-6.41%

Apples (1kg)

$4.98 $4.98

$3.03 NZ$5.36

64.36%

Banana (1kg)

$1.38 $1.38

$2.24 NZ$3.96

-38.39%

Oranges (1kg)

$2.91 $2.91

$3.09 NZ$5.47

-5.83%

Tomato (1kg)

$3.37 $3.37

$6.55 NZ$11.59

-48.55%

Potato (1kg)

$2.06 $2.06

$2.16 NZ$3.83

-4.63%

Onion (1kg)

$2.26 $2.26

$1.28 NZ$2.27

76.56%

Lettuce (1 head)

$2.37 $2.37

$2.10 NZ$3.71

12.86%

Water (1.5 liter bottle)

$2.33 $2.33

$1.20 NZ$2.12

94.17%

Cigarettes 20 Pack (Marlboro, Camel)

$10.10 $10.10

$25.79 NZ$45.60

-60.84%

Wine (Bottle)

$15.74 $15.74

$11.27 NZ$19.94

39.66%

Local Beer (0.5 liter bottle)

$2.54 $2.54

$3.12 NZ$5.51

-18.59%

Imported Beer (0.33 liter bottle)

$1.97 $1.97

$2.82 NZ$4.98

-30.14%

One-way Ticket (Public Transport)

$0.98 $0.98

$2.76 NZ$4.89

-64.49%

Public Transport Monthly Pass (Regular Price)

$29.56 $29.56

$104 NZ$184

-71.61%

Taxi Start (Normal Tariff)

$3.45 $3.45

$1.88 NZ$3.33

83.51%

Taxi (Normal Tariff) (1km)

$1.16 $1.16

$1.78 NZ$3.14

-34.83%

Taxi 1hour Waiting (Normal Tariff)

$30.53 $30.53

$33.72 NZ$59.6

-9.46%

Gasoline (1 liter)

$0.95 $0.95

$1.85 NZ$3.27

-48.65%

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

$30.0K $30.0K

$28.7K NZ$50.8K

4.34%

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

$26.9K $26.9K

$23.8K NZ$42.1K

12.87%

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

$165 $165

$194 NZ$344

-15.06%

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

$78.2 $78.2

$33.42 NZ$59.1

133.93%

Internet (50+ Mbps, Unlimited Data)

$71.7 $71.7

$53.5 NZ$94.7

33.97%

Gym Membership (Monthly)

$32.75 $32.75

$38.12 NZ$67.4

-14.09%

Tennis Court (1 Hour on Weekend)

$16.15 NZ$28.56

Cinema Ticket

$14.86 $14.86

$11.97 NZ$21.17

24.14%

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

$1,684 $1,684

$1,056 NZ$1,868

59.49%

International Primary School, 1 Child (Yearly)

$6,530 $6,530

$12.9K NZ$22.9K

-49.47%

Jeans (Levis 501 Or Similar)

$61.0 $61.0

$79.2 NZ$140

-23.04%

Summer Dress (H&M, Zara, etc)

$50.7 $50.7

$28.87 NZ$51.1

75.48%

Sport Shoes (Adidas, Nike)

$85.7 $85.7

$103 NZ$182

-16.68%

Men's Leather Business Shoes

$116 $116

$156 NZ$275

-25.27%

1-bedroom Apartment, City Center (Monthly)

$1,711 $1,711

$1,217 NZ$2,152

40.65%

1-bedroom Apartment, Outside City Center (Monthly)

$1,619 $1,619

$1,147 NZ$2,028

41.15%

3-bedroom Apartment, City Center (Monthly)

$2,513 $2,513

$2,154 NZ$3,809

16.65%

3-bedroom Apartment, Outside City Center (Monthly)

$2,186 $2,186

$1,731 NZ$3,061

26.31%

Buy Apartment in City Center (m2)

$6,780 NZ$12.0K

Buy Apartment Outside City Center (m2)

$3,655 NZ$6,464

Average Monthly Net Salary (After Tax)

$4,429 $4,429

$2,812 NZ$4,972

57.54%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.86

5.39

27.27%

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

Last update for Loveland, CO: October 19, 2026

Last update for Wellington: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Loveland, CO

$1.6K 55.6%

Wellington

$1.1K 48.3% 29.2% $472

Groceries & Markets

Loveland, CO

$386 13.2%

Wellington

$348 14.6% 9.9% $38

Eating Out

Loveland, CO

$347 11.9%

Wellington

$248 10.4% 28.7% $100

Monthly Utilities & Internet

Loveland, CO

$315 10.8%

Wellington

$281 11.8% 10.7% $34

Clothing & Footwear

Loveland, CO

$141 4.8%

Wellington

$165 6.9% 16.9% $24

Sport & Entertainment

Loveland, CO

$62 2.1%

Wellington

$62 2.6% 0.7% $0.4

Getting Around

Loveland, CO

$43 1.5%

Wellington

$126 5.3% 195% $83

Cost Breakdown

A central one-bedroom costs $1,711 in Loveland, CO versus $1,217 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 58% 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 $66.0 in Wellington. Monthly groceries follow the same trend: $386 vs $348 – making Wellington the more affordable choice for daily food spending.

Good to know

🇺🇸 Loveland, CO

🇳🇿 Wellington

🕒 Local time

18:26 6:26 PM

13:26 1:26 PM

19 h ahead of Loveland, CO

🌤 Weather

👥 Population

61,122

215,900 Capital

💱 Currency

United States Dollar USD $

New Zealand Dollar NZD $

📈 Exchange rate

1 USD = 0.89 EUR

1 NZD = 0.565 USD

1 NZD = 0.503 EUR

Exchange rates and currency converter

NZD, EUR to USD – United States Dollar Converter

🇳🇿 New Zealand Dollar ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

New Zealand Dollar exchange rates as of October 22, 2026: 1 USD = 1.77 NZD (1 NZD = 0.565 USD). 1 EUR = 1.99 NZD (1 NZD = 0.503 EUR).

NZD to USD in detail →

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Loveland, CO Wellington 12,150 km ≈ 16 h nonstop flight

From you

Loveland, CO
Wellington

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 Wellington: Cost of Living - Frequently Asked Questions

Loveland, CO costs about 23% more than Wellington, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $4,369 per month in Loveland, CO and $3,564 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 $2,913 in Loveland, CO and $2,376 in Wellington. That's a gap of about 23%.

Public transport costs about 252% 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 $2,376, than in Loveland, CO at $2,913. 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 $2,376 versus $2,913 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.