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

Monthly Cost of Living

A single person spends $2,354 per month in Wellington vs $2,848 in Loveland, CO, rent included.

A couple spends around $3,553 per month in Wellington vs $3,917 in Loveland, CO, rent included.

A family of three spends $4,751 per month in Wellington vs $4,985 in Loveland, CO, rent included.

Wellington is about 17% cheaper than Loveland, CO, driven mainly by Getting Around.

Both Wellington and Loveland, CO sit above the global median – Wellington by 76%, Loveland, CO by 113%.

Meal at Budget Restaurant

$17.30 NZ$29.84

$20.33 $20.33

-14.90%

Three-Course Dinner for Two, Mid-Range

$84.5 NZ$146

$83.4 $83.4

1.29%

Fast Food Meal (McDonalds, etc)

$9.77 NZ$16.84

$11.37 $11.37

-14.07%

Cappuccino

$3.80 NZ$6.55

$4.90 $4.90

-22.45%

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

$2.60 NZ$4.49

$2.69 $2.69

-3.35%

Water (0.33 liter bottle)

$2.18 NZ$3.76

$2.31 $2.31

-5.63%

Local Beer (0.5 liter draught)

$7.03 NZ$12.13

$6.26 $6.26

12.30%

Imported Beer (0.33 liter bottle)

$7.45 NZ$12.86

$6.83 $6.83

9.08%

Milk (1 liter)

$1.87 NZ$3.22

$0.99 $0.99

88.89%

White Bread (500g)

$2.11 NZ$3.63

$3.59 $3.59

-41.23%

Rice (white) (1kg)

$1.95 NZ$3.37

$3.17 $3.17

-38.49%

Eggs

$6.88 NZ$11.87

$4.07 $4.07

69.04%

Local Cheese (1kg)

$8.13 NZ$14.03

$11.07 $11.07

-26.56%

Chicken Fillets (1kg)

$11.06 NZ$19.07

$10.65 $10.65

3.85%

Beef Round Steak (1kg)

$13.14 NZ$22.67

$16.32 $16.32

-19.49%

Apples (1kg)

$3.12 NZ$5.38

$4.05 $4.05

-22.96%

Banana (1kg)

$2.24 NZ$3.86

$1.55 $1.55

44.52%

Oranges (1kg)

$2.99 NZ$5.16

$3.79 $3.79

-21.11%

Tomato (1kg)

$4.72 NZ$8.15

$4.84 $4.84

-2.48%

Potato (1kg)

$2.07 NZ$3.56

$2.30 $2.30

-10.00%

Onion (1kg)

$1.66 NZ$2.86

$2.25 $2.25

-26.22%

Lettuce (1 head)

$2.21 NZ$3.81

$2.44 $2.44

-9.43%

Water (1.5 liter bottle)

$1.28 NZ$2.22

$2.06 $2.06

-37.86%

Cigarettes 20 Pack (Marlboro, Camel)

$26.87 NZ$46.34

$9.72 $9.72

176.44%

Wine (Bottle)

$11.74 NZ$20.25

$18.69 $18.69

-37.19%

Local Beer (0.5 liter bottle)

$3.52 NZ$6.08

$2.23 $2.23

57.85%

Imported Beer (0.33 liter bottle)

$3.18 NZ$5.48

$2.81 $2.81

13.17%

One-way Ticket (Public Transport)

$2.75 NZ$4.74

$0.97 $0.97

183.51%

Public Transport Monthly Pass (Regular Price)

$107 NZ$185

$29.44 $29.44

263.72%

Taxi Start (Normal Tariff)

$2.66 NZ$4.60

$2.43 $2.43

9.47%

Taxi (Normal Tariff) (1km)

$1.85 NZ$3.20

$1.38 $1.38

34.06%

Taxi 1hour Waiting (Normal Tariff)

$60.4 NZ$104

$25.41 $25.41

137.54%

Gasoline (1 liter)

$1.71 NZ$2.95

$0.81 $0.81

111.11%

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

$33.6K NZ$58.0K

$27.2K $27.2K

23.76%

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

$24.6K NZ$42.4K

$25.5K $25.5K

-3.63%

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

$160 NZ$276

$170 $170

-5.92%

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

$32.55 NZ$56.2

$54.0 $54.0

-39.77%

Internet (50+ Mbps, Unlimited Data)

$51.5 NZ$88.8

$76.7 $76.7

-32.87%

Gym Membership (Monthly)

$36.79 NZ$63.5

$27.88 $27.88

31.96%

Tennis Court (1 Hour on Weekend)

$20.60 NZ$35.53

Cinema Ticket

$12.17 NZ$21.00

$11.97 $11.97

1.67%

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

$800 NZ$1,380

$1,469 $1,469

-45.51%

International Primary School, 1 Child (Yearly)

$12.6K NZ$21.8K

$12.6K $12.6K

0.05%

Jeans (Levis 501 Or Similar)

$73.5 NZ$127

$58.1 $58.1

26.44%

Summer Dress (H&M, Zara, etc)

$53.1 NZ$91.7

$56.5 $56.5

-5.86%

Sport Shoes (Adidas, Nike)

$119 NZ$205

$78.5 $78.5

51.63%

Men's Leather Business Shoes

$142 NZ$244

$110 $110

28.97%

1-bedroom Apartment, City Center (Monthly)

$1,339 NZ$2,310

$1,692 $1,692

-20.85%

1-bedroom Apartment, Outside City Center (Monthly)

$1,105 NZ$1,905

$1,626 $1,626

-32.08%

3-bedroom Apartment, City Center (Monthly)

$2,103 NZ$3,628

$2,539 $2,539

-17.17%

3-bedroom Apartment, Outside City Center (Monthly)

$1,888 NZ$3,257

$2,216 $2,216

-14.79%

Buy Apartment in City Center (m2)

$6,602 NZ$11.4K

Buy Apartment Outside City Center (m2)

$3,897 NZ$6,722

Average Monthly Net Salary (After Tax)

$3,057 NZ$5,273

$4,307 $4,307

-29.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.94

6.59

5.31%

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

Last update for Wellington: May 31, 2026

Last update for Loveland, CO: June 1, 2026

Cost Breakdown

A central one-bedroom costs $1,339 in Wellington versus $1,692 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 41% 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 $85.0 in Wellington versus $83.0 in Loveland, CO. Groceries tell a different story – $340 in Wellington vs $379 in Loveland, CO – so Wellington wins on supermarket bills even if dining out costs more.

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 21% 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 $3,531 per month in Wellington and $4,272 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 $2,354 in Wellington and $2,848 in Loveland, CO. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 264% 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 $2,354, than in Loveland, CO at $2,848. 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 $2,354 versus $2,848 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.