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Moving from Boston to Denver

Moving from Boston to Denver involves distinct housing, income, commute, and tax trade-offs according to 2024 ACS 5-year Census data. In a standardized renting scenario, Denver averages approximately $3,792 less per year in baseline core expenses. Boston records a median gross rent of $2,147/mo against $1,831/mo in Denver, while median household incomes stand at $97,344 and $94,718 respectively. Commute times average 33 minutes in Boston compared to 27 minutes in Denver. State income tax policies (Massachusetts: 5.0%, Colorado: 4.4%) can further influence take-home earnings.

Corridor Direction & Trade-off Delta

Moving from Boston to Denver

⇄ Switch to DenverBoston
Median Rent Impact
-$316/mo

Moving to Denver saves ~$3,792/yr in rent.

State Tax Treatment
-0.6%

~$600 saved in state tax on a $100k salary in Colorado.

Daily Commute Difference
-6 min / day

Difference of ~50 hours per year spent commuting based on 2024 ACS midpoint averages.

Your move

Compare the life behind the offer.

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What matters most?

Directional estimate using ACS citywide benchmarks. Verified profiles may include a simplified state-tax reference; automatically added profiles exclude state tax until an official reference is approved. Exact tax, benefits, debt, housing, insurance, and personal circumstances may materially change the result.

LIVE VERDICTBOSDEN
72/ 100

Worth serious consideration

Your modeled annual room improves.
Estimated annual life delta+$15,998after modeled taxes and essentials
Take-home$64,458$76,664
Core costs$40,764$36,972
Commute time47 hours gained
Best gainRent-to-income ratio suggests affordability by standard metric.
Watch closelyCitywide averages mask local variation in costs and quality of life factors.
See assumptions and methodology →
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The short answer

In the uniform one-person renting baseline, Denver is about $3,792 lower per year. This is not a verdict by itself: replace city medians with the actual offer, address, household, benefits, insurance, and tax details before deciding.

Boston household income$97,344
Denver household income$94,718
Boston gross rent$2,147
Denver gross rent$1,831

Housing, income, and tax reference

MetricBostonDenver
2024 ACS population666,442718,877
Median household income$97,344$94,718
Median gross rent$2,147$1,831
Median owner-occupied home value$731,700$616,000
State-tax treatment5% simplified4.4% simplified
Salary & Affordability Benchmark

How much do you need to earn to live in Denver?

2024 ACS Median Income

$94,718/yr

30% Rule for RentRecommended
$73,240 / year

To afford Denver's median gross rent of $1,831/mo at or below 30% of gross earnings, a household needs approximately $35.21/hour (full-time).

28% Rule for HomeownershipMedian Home
$156,214 / year

Modeled against Denver's median home benchmark of $616,000 (estimated $3,645/mo ownership carrying cost at typical 7.1% baseline).

Slide to test your income against local rent, taxes, and essentials.
$94,718gross/year
Affordability Status:Comfortable
Rent is 23% of gross income (34% of net pay)

At this income, median rent is only 23% of gross pay, leaving strong room for savings and essentials.

Monthly Budget AllocationEstimated Net Take-Home: $5,403/mo
Tax 32%
Rent 23%
Essentials 16%
Savings 29%
Taxes: $2,526/mo Rent: $1,831/mo Essentials: $1,250/mo Discretionary Margin: $2,322/mo

Time and daily routine

The commute-time distribution produces a weighted one-way estimate of about 33 minutes in Boston and 27 minutes in Denver. This citywide estimate cannot capture a specific route, remote-work schedule, or transit choice, so the calculator converts it into an explicit time difference instead of hiding it in a subjective lifestyle score.

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Decision checklist

  • Rent advantage: Denver saves ~$3,792/year in median rent
  • Income scale: Boston local median income is $2,626 higher
  • State tax treatment: Massachusetts (5.0%) vs Colorado (4.4%)
  • Commute reality: 33 min one-way (Boston) vs 27 min (Denver)

What each city wins

Boston

A strong household-income benchmark with a home value below coastal California peers. Watch high rent and a 33-minute derived commute still pressure the default budget.

Denver

Rent-to-income ratio suggests affordability by standard metric.. Watch citywide averages mask local variation in costs and quality of life factors..

Frequently asked questions

Is it cheaper to live in Denver than Boston?

Yes. Based on 2024 ACS data, median gross rent in Denver ($1,831/mo) is lower than Boston ($2,147/mo), saving approximately $3,792 per year.

How do salaries compare between Boston and Denver?

The 2024 ACS 5-year Census estimate indicates median household income in Boston is $97,344 versus $94,718 in Denver.

How does moving from Boston to Denver impact state income tax?

Massachusetts has a 5.0% reference rate compared to 4.4% in Colorado.

Source boundary: Core figures come from the 2024 ACS five-year tables linked on each city profile. Commute is derived from B08303 midpoint weighting. Tax rates are simplified official references, not personal tax calculations. This comparison becomes index-eligible only after its unique analysis clears the content quality gate.

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