Denver vs Frisco

Category-by-Category Breakdown

Index values shown. National average = 100. Lower is cheaper.

💰 Salary Equivalence

To maintain the same standard of living:

See exact take-home pay: Colorado salaries · Texas salaries

Living in Denver vs Frisco

Housing is typically the biggest factor in any cost-of-living comparison. Denver has a housing index of 152 while Frisco sits at 142 (national average = 100). The median home in Denver costs $520,000 compared to $500,000 in Frisco, a difference of $20,000. Monthly rent follows a similar pattern: $1,900 in Denver versus $1,900 in Frisco.

Groceries and everyday expenses show a narrower gap: Denver scores 102 while Frisco scores 99. Both cities are close to the national average for grocery costs.

Healthcare costs in Denver (104) are higher than Frisco (100). Both are close to the national average.

Median household income in Denver is $72,661 compared to $126,048 in Frisco. When adjusted for cost of living, purchasing power is similar in both cities.

Relocating: Denver vs Frisco

If you are considering a move between Denver (index: 118) and Frisco (index: 115), the 3% cost difference has real implications for your budget. Frisco is the more affordable option, but the right choice depends on your income, career opportunities, and lifestyle priorities.

Housing budget reality: Using the 28% rule (spending no more than 28% of gross income on housing), the median household in Denver can afford $1,695/month, while the median household in Frisco can afford $2,941/month. With median homes at $520,000 in Denver versus $500,000 in Frisco, the higher-cost city presents significant affordability challenges.

Renting vs buying: At $1,900/month in Denver and $1,900/month in Frisco, renters face similar costs in both cities. The rent-to-own ratio in each city determines whether renting or buying offers better value for your situation.

Income adjustment: A $75,000 salary goes about equally far in both cities. Before accepting a job in either city, use the salary equivalence data above to understand what you would need to earn to maintain your current standard of living.

Reading These Numbers: Denver (118) vs Frisco (115)

The cost of living index uses 100 as the national average. Denver at 118 is 18% above the US average, while Frisco at 115 is 15% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.

Denver and Frisco land within 3 points of each other on the composite index (118 vs 115), so the overall cost picture is similar. Housing shows the widest single-category margin at 152 versus 142, making it the area where residents will feel the most day-to-day price difference between Denver and Frisco. Housing, the largest line item for most households, favors Frisco with indices of 142 versus 152. Median home prices of $520,000 in Denver and $500,000 in Frisco underscore this gap. Neither city is cheaper across the board: Denver has an edge in utilities and transportation, while Frisco is more affordable for housing and groceries. Your actual savings depend on which categories consume the biggest share of your personal budget.

For renters: With median rents of $1,900/month in Denver and $1,900/month in Frisco, the annual rent difference is approximately $0. Over a 5-year period, that compounds to $0 in savings by choosing the more affordable city.

For homebuyers: The $20,000 difference in median home prices between Denver and Frisco translates to roughly $1,200 per month in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.

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