Last update: Oct 2026

Cost of Living Comparison Between Seattle, WA and Loveland, CO

For one person, living is cheaper in Loveland, CO: $2,913 a month against $3,782 in Seattle, WA, rent and utilities included – about $10,400 less a year. Rent and utilities account for about half of the difference.

184

Cost of Living Index in Seattle, WA
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Seattle, WA Living Index
141

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

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Seattle, WA

🇺🇸 United States

$3,782

/mo nomad

Loveland, CO

🇺🇸 United States

$2,913

/mo nomad

Monthly Cost of Living

How much you'll spend in Seattle, WA 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 Seattle, WA and in Loveland, CO actually costs, broken down by who's living it.

A single person spends $3,782 per month in Seattle, WA vs $2,913 in Loveland, CO, rent included.

Seattle, WA $3,782
Loveland, CO $2,913

A couple spends around $5,636 per month in Seattle, WA vs $4,012 in Loveland, CO, rent included.

Seattle, WA $5,636
Loveland, CO $4,012

A family of three spends $7,489 per month in Seattle, WA vs $5,112 in Loveland, CO, rent included.

Seattle, WA $7,489
Loveland, CO $5,112

Seattle, WA costs about 30% more than Loveland, CO, and outside of rent the biggest gap is in groceries.

Both Seattle, WA and Loveland, CO sit above the global median – Seattle, WA by 179%, Loveland, CO by 115%.

Meal at Budget Restaurant

$24.52 $24.52

$20.76 $20.76

18.11%

Three-Course Dinner for Two, Mid-Range

$98.2 $98.2

$86.0 $86.0

14.18%

Fast Food Meal (McDonalds, etc)

$14.79 $14.79

$12.19 $12.19

21.33%

Cappuccino

$6.52 $6.52

$6.17 $6.17

5.67%

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

$3.23 $3.23

$3.08 $3.08

4.87%

Water (0.33 liter bottle)

$3.17 $3.17

$2.21 $2.21

43.44%

Local Beer (0.5 liter draught)

$7.85 $7.85

$7.15 $7.15

9.79%

Imported Beer (0.33 liter bottle)

$8.03 $8.03

$6.85 $6.85

17.23%

Milk (1 liter)

$1.21 $1.21

$1.02 $1.02

18.63%

White Bread (500g)

$5.14 $5.14

$5.05 $5.05

1.78%

Rice (white) (1kg)

$6.05 $6.05

$2.52 $2.52

140.08%

Eggs

$4.88 $4.88

$5.23 $5.23

-6.69%

Local Cheese (1kg)

$19.18 $19.18

$13.90 $13.90

37.99%

Chicken Fillets (1kg)

$18.91 $18.91

$10.46 $10.46

80.78%

Beef Round Steak (1kg)

$23.31 $23.31

$14.01 $14.01

66.38%

Apples (1kg)

$5.99 $5.99

$4.98 $4.98

20.28%

Banana (1kg)

$1.93 $1.93

$1.38 $1.38

39.86%

Oranges (1kg)

$5.25 $5.25

$2.91 $2.91

80.41%

Tomato (1kg)

$6.57 $6.57

$3.37 $3.37

94.96%

Potato (1kg)

$3.62 $3.62

$2.06 $2.06

75.73%

Onion (1kg)

$3.31 $3.31

$2.26 $2.26

46.46%

Lettuce (1 head)

$2.78 $2.78

$2.37 $2.37

17.30%

Water (1.5 liter bottle)

$2.51 $2.51

$2.33 $2.33

7.73%

Cigarettes 20 Pack (Marlboro, Camel)

$12.18 $12.18

$10.10 $10.10

20.59%

Wine (Bottle)

$14.83 $14.83

$15.74 $15.74

-5.78%

Local Beer (0.5 liter bottle)

$4.22 $4.22

$2.54 $2.54

66.14%

Imported Beer (0.33 liter bottle)

$5.77 $5.77

$1.97 $1.97

192.89%

One-way Ticket (Public Transport)

$2.95 $2.95

$0.98 $0.98

201.02%

Public Transport Monthly Pass (Regular Price)

$106 $106

$29.56 $29.56

259.40%

Taxi Start (Normal Tariff)

$2.65 $2.65

$3.45 $3.45

-23.19%

Taxi (Normal Tariff) (1km)

$1.72 $1.72

$1.16 $1.16

48.28%

Taxi 1hour Waiting (Normal Tariff)

$29.72 $29.72

$30.53 $30.53

-2.65%

Gasoline (1 liter)

$1.49 $1.49

$0.95 $0.95

56.84%

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

$35.9K $35.9K

$30.0K $30.0K

19.83%

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

$26.2K $26.2K

$26.9K $26.9K

-2.28%

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

$302 $302

$165 $165

82.93%

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

$70.1 $70.1

$78.2 $78.2

-10.31%

Internet (50+ Mbps, Unlimited Data)

$85.3 $85.3

$71.7 $71.7

18.93%

Gym Membership (Monthly)

$77.8 $77.8

$32.75 $32.75

137.68%

Tennis Court (1 Hour on Weekend)

$34.58 $34.58

Cinema Ticket

$17.84 $17.84

$14.86 $14.86

20.05%

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

$2,973 $2,973

$1,684 $1,684

76.49%

International Primary School, 1 Child (Yearly)

$31.3K $31.3K

$6,530 $6,530

379.07%

Jeans (Levis 501 Or Similar)

$76.6 $76.6

$61.0 $61.0

25.61%

Summer Dress (H&M, Zara, etc)

$54.1 $54.1

$50.7 $50.7

6.69%

Sport Shoes (Adidas, Nike)

$128 $128

$85.7 $85.7

49.61%

Men's Leather Business Shoes

$164 $164

$116 $116

41.05%

1-bedroom Apartment, City Center (Monthly)

$2,445 $2,445

$1,711 $1,711

42.88%

1-bedroom Apartment, Outside City Center (Monthly)

$1,947 $1,947

$1,619 $1,619

20.26%

3-bedroom Apartment, City Center (Monthly)

$4,744 $4,744

$2,513 $2,513

88.81%

3-bedroom Apartment, Outside City Center (Monthly)

$3,469 $3,469

$2,186 $2,186

58.64%

Buy Apartment in City Center (m2)

$7,367 $7,367

Buy Apartment Outside City Center (m2)

$5,127 $5,127

Average Monthly Net Salary (After Tax)

$6,506 $6,506

$4,429 $4,429

46.90%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.89

6.86

0.44%

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

Last update for Seattle, WA: 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

Seattle, WA

$1.9K 51.5%

Loveland, CO

$1.6K 55.6% 16.8% $328

Groceries & Markets

Seattle, WA

$546 14.4%

Loveland, CO

$386 13.2% 29.3% $160

Monthly Utilities & Internet

Seattle, WA

$457 12.1%

Loveland, CO

$315 10.8% 31.1% $142

Eating Out

Seattle, WA

$400 10.6%

Loveland, CO

$347 11.9% 13.1% $52

Clothing & Footwear

Seattle, WA

$190 5%

Loveland, CO

$141 4.8% 25.8% $49

Getting Around

Seattle, WA

$129 3.4%

Loveland, CO

$43 1.5% 67% $87

Sport & Entertainment

Seattle, WA

$114 3%

Loveland, CO

$62 2.1% 45% $51

Cost Breakdown

A central one-bedroom costs $2,445 in Seattle, WA versus $1,711 in Loveland, CO. 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 47% higher in Seattle, WA, 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 $98.0 in Seattle, WA versus $86.0 in Loveland, CO. Monthly groceries follow the same trend: $546 vs $386 – making Loveland, CO the more affordable choice for daily food spending.

Good to know

🇺🇸 Seattle, WA

🇺🇸 Loveland, CO

🕒 Local time

19:15 7:15 PM

20:15 8:15 PM

1 h ahead of Seattle, WA

🌤 Weather

👥 Population

737,015

61,122

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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Seattle, WA Loveland, CO 1,590 km ≈ 2 h 30 min nonstop flight

From you

Seattle, WA
Loveland, CO

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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

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

Seattle, WA costs about 30% more than Loveland, CO, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $5,673 per month in Seattle, WA and $4,369 in Loveland, CO. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Loveland, CO, 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 $3,782 in Seattle, WA and $2,913 in Loveland, CO. That's a gap of about 30%.

Public transport costs about 259% less in Loveland, CO. For daily commuters, that gap adds up to noticeable savings over a year.

$2,000 is a stretch for both – monthly costs hit $3,782 in Seattle, WA and $2,913 in Loveland, CO. You'll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. Loveland, CO costs $2,913 versus $3,782 in Seattle, WA. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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