Denver, CO vs. Thornton, CO: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Denver vs Thornton. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Denver vs Thornton in 2025. All income figures are expressed in gross monthly income (pre-tax).
1. Housing Costs
Housing is one of the biggest factors in the cost of living difference between Denver and Thornton. Here’s how typical rent and mortgage payments compare:
| Housing Type | Denver | Thornton |
|---|---|---|
| 2BR Apartment Rent | $2,200 | $1,800 |
| 3BR Home Mortgage | $3,500 | $2,900 |
🏆 Winner: Thornton. Housing costs are about 20% lower in Thornton compared to Denver.
2. Utilities and Energy Costs
Utility bills are fairly similar between the two cities, with Thornton having a slight edge. Expect monthly utility costs around:
- Denver: $180-$220
- Thornton: $160-$200
Both cities experience cold winters and mild summers, so heating costs tend to be higher than cooling. Denver and Thornton offer off-peak utility plans that can help save on energy bills.
🏆 Winner: Thornton has marginally lower utility costs on average.
3. Groceries and Daily Expenses
Grocery and restaurant prices are comparable between Denver and Thornton. A typical family might spend $800-$1,000 per month on food in either city.
However, Denver has more upscale dining and boutique grocery options, which can increase costs for those who frequently eat out or buy specialty items.
🏆 Winner: Thornton offers better value for budget-conscious shoppers and diners.
4. Taxes and Fees
Denver has slightly higher property taxes than Thornton:
- Denver property tax rate: 0.56%
- Thornton property tax rate: 0.51%
In Denver, HOA fees often include extras like landscaping and trash, while Thornton residents may pay separately for those services.
🏆 Winner: Thornton has an edge with lower property taxes.
5. Cost Summary Table
| Category | Denver | Thornton |
|---|---|---|
| Housing | $2,200 – $3,500 | $1,800 – $2,900 |
| Utilities | $180 – $220 | $160 – $200 |
| Groceries | $800 – $1,000 | $800 – $1,000 |
| Transportation | $100 – $150 | $80 – $120 |
| Taxes | 0.56% property tax | 0.51% property tax |
| Misc | $400 – $600 | $300 – $500 |
| Estimated Monthly Total | $3,680 – $5,520 | $3,140 – $4,720 |
6. Lifestyle Fit
While Thornton offers a lower cost of living, Denver provides a more urban lifestyle with walkable neighborhoods, ample public transit, and a vibrant arts and culture scene. Thornton is quieter and more spacious, ideal for raising a family.
Denver averages 5°F warmer than Thornton year-round. Both cities get over 300 days of sunshine per year.
7. FAQ
Is Denver more affordable than Thornton?
No, Thornton is generally more affordable, with lower housing, utility, and transportation costs.
Which city has lower rent?
Thornton has lower rent, with a typical 2BR apartment costing $1,800/month vs $2,200/month in Denver.
Where is it cheaper to buy a home?
Thornton offers lower home prices and property taxes. A typical mortgage payment on a 3BR house is $2,900/month in Thornton compared to $3,500/month in Denver.
8. Conclusion
While both cities provide a high quality of life, Thornton comes out ahead in this cost of living comparison. Families and budget-conscious households may find Thornton more affordable, while young professionals and those seeking an urban lifestyle may prefer Denver despite the higher costs.
To dive deeper into budgeting as a Denver local, check out these Monthly Budget Examples for Denver Residents. Or for a broader look at expenses in the Mile High City, see this Cost of Living in Denver (2025 Guide).