Boulder, CO vs. Westminster, CO: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Boulder vs Westminster. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Boulder vs Westminster in 2025.
1. Housing Costs
Housing is typically the biggest factor in cost of living. Here’s how Boulder and Westminster compare for common housing options:
| Housing Type | Boulder | Westminster |
|---|---|---|
| Median 2BR Apartment Rent | $2,400 | $1,950 |
| Median 3BR Home Price | $950,000 | $650,000 |
🏆 Winner: Westminster. Housing costs are significantly lower in Westminster compared to Boulder, with savings of $450/month on a typical 2BR apartment and $300,000 on a median 3BR home purchase.
2. Utilities and Energy Costs
Utility costs are fairly similar between the two cities. Expect the following monthly utility bills for a 2BR apartment:
- Electricity: $80-100 (slightly higher in summer for A/C)
- Gas: $40-60 (higher in winter for heating)
- Water/Sewer/Trash: $60-80
- Internet: $50-70
🏆 Winner: Tie. Utility costs are comparable between Boulder and Westminster.
3. Groceries and Daily Expenses
Groceries and everyday items cost about 5% more in Boulder compared to Westminster. Budget around $400/month per adult for groceries in Boulder vs $380/month in Westminster. Eating out is also pricier in Boulder, with average meal prices around 10% higher.
🏆 Winner: Westminster. Expect to save $20+/month per person on groceries and dining out in Westminster compared to Boulder.
4. Taxes and Fees
Both cities have similar property tax rates around 0.6% of home value annually. However, Boulder has higher city service fees and HOA dues. In Boulder, HOA fees often include landscaping and trash, adding $200-400/month. Westminster HOAs are cheaper, typically under $200/month.
🏆 Winner: Westminster. Lower city fees and HOA dues give Westminster the edge.
5. Cost Summary
| Category | Boulder | Westminster |
|---|---|---|
| Housing (2BR Rent) | $2,400 | $1,950 |
| Utilities | $250 | $250 |
| Groceries (2 Adults) | $800 | $760 |
| Transportation | $200 | $250 |
| Taxes & Fees | $500 | $400 |
| Misc Costs | $400 | $400 |
| Estimated Monthly Total | $4,550 | $4,010 |
6. Lifestyle Fit
Boulder offers a vibrant downtown with walkable amenities, while Westminster provides more space and privacy in quiet neighborhoods. Boulder averages 5°F cooler in summer than Westminster due to elevation. Both have stunning mountain views and easy access to hiking and biking.
7. FAQ
- Is Boulder more affordable than Westminster? No, Westminster is more affordable overall, especially for housing.
- Which city has lower rent? Westminster has lower rent prices. A household moving from Boulder to Westminster might save $400/month on a 2BR apartment.
- Where is it cheaper to buy a home? Westminster has significantly lower home prices. Expect to pay $300,000 less for a typical 3BR house in Westminster vs Boulder.
8. Conclusion
While both cities provide a high quality of life, Westminster offers a lower cost of living across most categories, especially housing. Families looking to stretch their budget further will find better value in Westminster. However, Boulder’s lively downtown and cooler summer climate may be worth the premium for some.
To dive deeper, read our full Cost of Living in Boulder (2025 Guide) or see Monthly Budget Examples for Boulder Residents to estimate your expenses in more detail.