Last update: Oct 2026

Cost of Living Comparison Between Wellington and Loveland, CO

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.

115

Cost of Living Index in Wellington
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Wellington Living Index
141

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

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Wellington

🇳🇿 New Zealand

$2,376

/mo nomad

Loveland, CO

🇺🇸 United States

$2,913

/mo nomad

Monthly Cost of Living

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

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

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

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

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

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

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

Wellington is about 18% cheaper than Loveland, CO, and outside of rent the biggest gap is in eating out.

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

Meal at Budget Restaurant

$14.01 NZ$24.78

$20.76 $20.76

-32.51%

Three-Course Dinner for Two, Mid-Range

$65.8 NZ$116

$86.0 $86.0

-23.52%

Fast Food Meal (McDonalds, etc)

$9.37 NZ$16.56

$12.19 $12.19

-23.13%

Cappuccino

$3.40 NZ$6.02

$6.17 $6.17

-44.89%

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

$2.46 NZ$4.35

$3.08 $3.08

-20.13%

Water (0.33 liter bottle)

$1.75 NZ$3.09

$2.21 $2.21

-20.81%

Local Beer (0.5 liter draught)

$7.27 NZ$12.85

$7.15 $7.15

1.68%

Imported Beer (0.33 liter bottle)

$6.71 NZ$11.87

$6.85 $6.85

-2.04%

Milk (1 liter)

$1.94 NZ$3.43

$1.02 $1.02

90.20%

White Bread (500g)

$2.15 NZ$3.81

$5.05 $5.05

-57.43%

Rice (white) (1kg)

$1.83 NZ$3.25

$2.52 $2.52

-27.38%

Eggs

$6.88 NZ$12.16

$5.23 $5.23

31.55%

Local Cheese (1kg)

$9.19 NZ$16.26

$13.90 $13.90

-33.88%

Chicken Fillets (1kg)

$9.99 NZ$17.67

$10.46 $10.46

-4.49%

Beef Round Steak (1kg)

$14.97 NZ$26.48

$14.01 $14.01

6.85%

Apples (1kg)

$3.03 NZ$5.36

$4.98 $4.98

-39.16%

Banana (1kg)

$2.24 NZ$3.96

$1.38 $1.38

62.32%

Oranges (1kg)

$3.09 NZ$5.47

$2.91 $2.91

6.19%

Tomato (1kg)

$6.55 NZ$11.59

$3.37 $3.37

94.36%

Potato (1kg)

$2.16 NZ$3.83

$2.06 $2.06

4.85%

Onion (1kg)

$1.28 NZ$2.27

$2.26 $2.26

-43.36%

Lettuce (1 head)

$2.10 NZ$3.71

$2.37 $2.37

-11.39%

Water (1.5 liter bottle)

$1.20 NZ$2.12

$2.33 $2.33

-48.50%

Cigarettes 20 Pack (Marlboro, Camel)

$25.79 NZ$45.60

$10.10 $10.10

155.35%

Wine (Bottle)

$11.27 NZ$19.94

$15.74 $15.74

-28.40%

Local Beer (0.5 liter bottle)

$3.12 NZ$5.51

$2.54 $2.54

22.83%

Imported Beer (0.33 liter bottle)

$2.82 NZ$4.98

$1.97 $1.97

43.15%

One-way Ticket (Public Transport)

$2.76 NZ$4.89

$0.98 $0.98

181.63%

Public Transport Monthly Pass (Regular Price)

$104 NZ$184

$29.56 $29.56

252.23%

Taxi Start (Normal Tariff)

$1.88 NZ$3.33

$3.45 $3.45

-45.51%

Taxi (Normal Tariff) (1km)

$1.78 NZ$3.14

$1.16 $1.16

53.45%

Taxi 1hour Waiting (Normal Tariff)

$33.72 NZ$59.6

$30.53 $30.53

10.45%

Gasoline (1 liter)

$1.85 NZ$3.27

$0.95 $0.95

94.74%

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

$28.7K NZ$50.8K

$30.0K $30.0K

-4.16%

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

$23.8K NZ$42.1K

$26.9K $26.9K

-11.40%

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

$194 NZ$344

$165 $165

17.73%

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

$33.42 NZ$59.1

$78.2 $78.2

-57.25%

Internet (50+ Mbps, Unlimited Data)

$53.5 NZ$94.7

$71.7 $71.7

-25.36%

Gym Membership (Monthly)

$38.12 NZ$67.4

$32.75 $32.75

16.40%

Tennis Court (1 Hour on Weekend)

$16.15 NZ$28.56

Cinema Ticket

$11.97 NZ$21.17

$14.86 $14.86

-19.45%

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

$1,056 NZ$1,868

$1,684 $1,684

-37.30%

International Primary School, 1 Child (Yearly)

$12.9K NZ$22.9K

$6,530 $6,530

97.89%

Jeans (Levis 501 Or Similar)

$79.2 NZ$140

$61.0 $61.0

29.94%

Summer Dress (H&M, Zara, etc)

$28.87 NZ$51.1

$50.7 $50.7

-43.01%

Sport Shoes (Adidas, Nike)

$103 NZ$182

$85.7 $85.7

20.02%

Men's Leather Business Shoes

$156 NZ$275

$116 $116

33.81%

1-bedroom Apartment, City Center (Monthly)

$1,217 NZ$2,152

$1,711 $1,711

-28.90%

1-bedroom Apartment, Outside City Center (Monthly)

$1,147 NZ$2,028

$1,619 $1,619

-29.15%

3-bedroom Apartment, City Center (Monthly)

$2,154 NZ$3,809

$2,513 $2,513

-14.28%

3-bedroom Apartment, Outside City Center (Monthly)

$1,731 NZ$3,061

$2,186 $2,186

-20.83%

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)

$2,812 NZ$4,972

$4,429 $4,429

-36.52%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.39

6.86

-21.43%

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

Last update for Wellington: October 18, 2026

Last update for Loveland, CO: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Wellington

$1.1K 48.3%

Loveland, CO

$1.6K 55.6% 41.1% $472

Groceries & Markets

Wellington

$348 14.6%

Loveland, CO

$386 13.2% 11% $38

Monthly Utilities & Internet

Wellington

$281 11.8%

Loveland, CO

$315 10.8% 12% $34

Eating Out

Wellington

$248 10.4%

Loveland, CO

$347 11.9% 40.3% $100

Clothing & Footwear

Wellington

$165 6.9%

Loveland, CO

$141 4.8% 14.4% $24

Getting Around

Wellington

$126 5.3%

Loveland, CO

$43 1.5% 66.1% $83

Sport & Entertainment

Wellington

$62 2.6%

Loveland, CO

$62 2.1% 0.7% $0.4

Cost Breakdown

A central one-bedroom costs $1,217 in Wellington 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 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 $66.0 in Wellington versus $86.0 in Loveland, CO. Monthly groceries follow the same trend: $348 vs $386 – making Wellington the more affordable choice for daily food spending.

Good to know

🇳🇿 Wellington

🇺🇸 Loveland, CO

🕒 Local time

14:24 2:24 PM

19:24 7:24 PM

19 h behind Wellington

🌤 Weather

👥 Population

215,900 Capital

61,122

💱 Currency

New Zealand Dollar NZD $

United States Dollar USD $

📈 Exchange rate

1 NZD = 0.565 USD

1 NZD = 0.503 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to NZD – New Zealand Dollar Converter

🇺🇸 United States Dollar ($)

🇳🇿 New Zealand Dollar ($)

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).

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

USD to NZD in detail →

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

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Wellington
Loveland, CO

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

Wellington vs Loveland, CO: 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 $3,564 per month in Wellington 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 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 $2,376 in Wellington and $2,913 in Loveland, CO. 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.