Moving to · Colorado

Denver

Mile-high sunshine and the outdoors at your door. What the postcard misses: a housing market that got away from itself, 300 days of sun that includes 200 wildfire smoke days in a bad year, and a population growth story that paused.

713,734 people 35.2 median age $92K median HHI $1,770 median rent
The honest 30 seconds

The five things to know before you decide

  • Move here ifYou actually ski, hike, or climb, have a remote job or a Denver-based one, and accept that the lifestyle premium has been priced in for a decade.
  • Skip ifYou moved for 2015 Denver prices. A $400K home is now $600K, the rent on your old place doubled, and the growth rate that pulled you in has flattened.
  • The mathColorado's flat 4.4% state income tax is low by coastal standards. The trade is property values: Denver metro median home value is $586K, well above the national median.
  • What breaksAltitude. 5,280 feet is real. Your sleep, training, and alcohol tolerance will all reset for the first three months whether you ask them to or not.
  • The real climate300 sunny days, yes. Also: rapid temperature swings, a brutal dry winter, hail that dents cars, and increasingly, summer wildfire smoke.
Population
713,734
Denver-Aurora-Centennial
Median household income
$92K
Census ACS 5-year 2023
Median rent
$1,770
Gross, including utilities
Median home value
$587K
Owner-occupied units
Who actually lives here

The people in the city and the people moving in

Median age 35. Tech, aerospace, healthcare, a still-significant energy sector, and a federal government footprint. Millennials who came in the 2013-2019 boom are now parents with strollers and opinions about schools.

Moving into Colorado

Top origin states · people · 2022-2023 tax year (IRS SOI)
Texas
25,282
California
21,800
Florida
13,183
Arizona
8,903
Illinois
6,569
Washington
5,520
New York
5,394
Virginia
5,190

Leaving Colorado

Top destination states · people · 2022-2023 tax year (IRS SOI)
Texas
21,783
Florida
15,384
California
14,394
Arizona
9,585
Washington
6,024
North Carolina
5,995
Georgia
4,673
Virginia
4,636
The real cost of being you here

The math, with everything in it

Most cost calculators stop at rent and groceries. This one runs federal and state income tax, FICA, state and local sales tax, property and auto insurance, and average utilities through the brackets, for this city specifically. Change the inputs to match you.

Your numbers

Your pre-tax salary plus bonus
Median gross in Denver is $1,770

Where the money goes, annually

Federal income tax
Social Security + Medicare
State + local income tax
All taxes effective rate
Take-home after tax
Rent
Utilities (elec + gas + water)
Auto insurance (state avg)
Sales tax on consumption
Fixed annual costs
Discretionary, annually

Tax brackets: IRS 2024 federal, Tax Foundation 2024 state. Insurance and utility averages: NAIC homeowners, III auto, EIA utilities, 2024.

The weather, no spin

What it actually feels like here

Thirty-year NOAA climate normals. Not the brochure.

Avg summer high
88°F
Avg winter low
19°F
Annual precipitation
15.9"
Annual snow
57.5"
Sunny days
245
Source
NOAA 1991-2020
300 sunny days marketing. Dry air. Rapid weather swings. Snow Oct-May possible.
Who regrets moving here

The honest failure modes

Every city has them. We read the threads so you can decide whether you are signing up for these specific ones.

Housing

The 2013-2019 price run never reversed

Denver home values roughly doubled in that window. They have flattened since 2022 but not retreated. A middle-class household earning $150K can still afford, but not comfortably.

Altitude

Your first month will feel worse than you expect

5,280 feet means less oxygen, drier air, and worse sleep until you acclimate. Exercise feels harder for 2-6 weeks. Alcohol hits faster. Hangovers are worse. This is physiology, not drama.

Weather

Sunny is not the whole story

Denver has 300 sunny days and also some of the most dramatic summer hailstorms in the country. Car comprehensive insurance is higher than it sounds for this reason. Wildfire smoke is a real and growing summer hazard.

Water

Everyone pretends water is fine

Denver Water is competent but Colorado River compact negotiations are ongoing and the snowpack has been below average more years than not this decade. Long-term water is a real risk; short-term it is fine.

Traffic

I-70 west is the lifestyle tax you did not budget

The ski weekend traffic from Denver to the resorts is legendary. What should be a 90-minute drive can be 4 hours on a February Saturday. If you moved here for the mountains, understand you are paying in hours.

The ski myth

The mountains are now a paid experience

The Epic and Ikon passes made season skiing $800-1000, but they also made lift lines brutal on weekends. For the experience most people picture, mid-week skiing or a truck to Loveland is required.

Schools

DPS is a mixed bag, suburbs vary

Denver Public Schools have bright spots and known weak spots. Many families go to the suburbs (Cherry Creek, Littleton, Jefferson County) or private. Do the school diligence before you commit to a neighborhood.

Politics

Progressive city, swing state

Denver is reliably blue. Colorado as a whole has moved blue but the state legislature still has moderates and the ballot initiatives reflect a real debate. This affects housing, transit, taxation.

Voice · What residents are actually saying

From the threads, verbatim

Top-ranked Reddit and forum discussions about moving to, living in, and regretting Denver. We link to the source. If you care about the honest read, these are the threads to read.

Regret thread

“I was curious if anyone else had made the move and ended up being disappointed in their decision? Did you end up moving back to Colorado Springs...”

reddit Who else moved to Denver and regretted it? read the thread →
Lived experience

“I would describe Denver as a highly-livable city: safe, clean, well-run, not too big or too small, prosperous and dynamic. It's also sunny,...”

quora Can you describe your experience living in Denver, CO? ... read the thread →
Before you move

“My wife and I are debating moving back to the Denver area in summer 2024. Would love to hear advice from anyone who has made the move.”

reddit Advice for moving to Denver read the thread →
Community thread

“I love living in Denver. I've also lived in Houston and Chicago. What Denver has going for it is the climate. It has all 4 seasons.”

reddit What is life like living in Denver? : r/SameGrassButGreener read the thread →
Regret thread

“Totally regret it. It's an insular, lonely place. The crime rate is probably higher than reported. People are passive agressive, gossipy, angry.”

quora Do you regret moving to Denver? read the thread →
Neighborhoods

Where to actually look, and for whom

The ones people actually move to. Rent ranges are 1BR at the time of this writing; they move quickly.

Cap Hill / Uptown

1BR rent  ·  $1,600-2,200

Dense, walkable, historic, loud. Renters, young professionals, state-capital adjacent. The urban Denver of books and movies.

LoHi / Highlands

1BR rent  ·  $2,000-2,700

Post-gentrification restaurant row. Old bungalows next to glass buildings. 30-something professionals with young families and strollers.

RiNo

1BR rent  ·  $1,900-2,600

River North. Breweries, art, mural district. New construction mid-rise rentals. Party adjacent, still very new.

Washington Park / Platt Park

1BR rent  ·  $1,800-2,500

Craftsman bungalows, a big beautiful park, families. The established-professional Denver that has been stable for 15 years.

Stapleton / Central Park

1BR rent  ·  $1,700-2,300

Master-planned, family-focused, good schools in spots. Car-dependent but bike-friendly. Where people go when LoHi gets too loud.

Arvada / Wheat Ridge / Lakewood

1BR rent  ·  $1,400-1,900

Suburbs west. Older homes, mountain views, much cheaper. Light rail connects parts of Lakewood to downtown.

Month 1 · Month 6 · Month 12

What the timeline actually looks like

The regret clock runs between months 14 and 24 for most people who leave. Use the first year to lay the foundation that keeps you here, or to know honestly that you won't stay.

The first

Month 1

Get Colorado driver's license within 90 days. Vehicle emissions inspection is required before registration.

Understand altitude. Hydrate, sleep more, cut caffeine, take iron if you have any history of low ferritin. This is real.

If you did not bring a car, rethink. Denver is transit-mediocre; the ski and hiking life requires a vehicle.

Sign up for Denver Water and Xcel Energy. Do not skip renters or homeowners insurance (hail).

After

Month 6

You have survived the altitude adjustment and one winter. Winter here is dry cold, not wet cold; dress accordingly.

Join a ski group or climbing gym for the friend problem. Denver is outdoors-forward and friend-making follows that path.

Reassess ski access. If you have not actually gone skiing yet, the "move here for the mountains" narrative deserves scrutiny.

Property tax reappraisal happens every two years. Protest if your number is out of line.

One year in

Month 12

You have lived through hail, smoke, and a 60-degree Christmas. This is normal weather here.

If you are still here and happy, join something long-term: buy gear, commit to a sport, find a mountain town you return to.

The ski pass decision for year two. Epic vs Ikon vs local pass, based on which resorts you actually used.

If you have not put roots down in 12 months, be honest. Denver is a 3-year city for many people.

The decision

Should you move to Denver?

We will not tell you what to do. We will tell you whom this city actually works for, and whom it does not.

Move here

  • You work in tech, aerospace, healthcare, or government at a Denver-specific employer.
  • You use the outdoors more than five weekends a year and are not lying to yourself about that.
  • You have a remote job above $130K and want sun, dry air, and a cheaper no-state-tax base is not a priority.
  • You can tolerate winter (dry, cold, long) and arrived prepared.
  • You have community or family already here; outdoor communities form around activities, not address.

Don't move here

  • You moved for cheap Denver. Cheap Denver ended around 2014.
  • You need real public transit across a metro. Denver has rail but it is thin and most daily trips require a car.
  • You have respiratory conditions that are sensitive to wildfire smoke or altitude.
  • You cannot reliably sleep above 4,000 feet. This is a real thing for some people.
  • You want a blue state and a low cost of living simultaneously. Denver is blue; it is not low-cost.