Cost of Living in Arvada
Olde Town charm meets trail-system living
What it costs to live in Arvada
Adjust the sliders for your situation. Ranges reflect uncertainty in HOA and metro district fees, narrower is more confident.
Based on your inputs below
Assumes 20% down, 30-year fixed at 6.5% (as of 2026-04-22).
Housing$3,687 – $4,062 | |
|---|---|
| Mortgage (6.5%, 20% down) | $3,160 |
| Property tax | $352 |
| HOA | $0 – $175 |
| Insurance | $175 |
| Metro district fees | not yet verified |
Transportation$538 | |
|---|---|
| Car payments (your input) | $500 |
| Gas (~14 min to downtown) | $38 |
Utilities$350 | |
|---|---|
| Electric & gas (Xcel Energy) | $205 |
| Water (City of Arvada Water Department (sourced from Denver Water North System & Clear Creek)) | $75 |
| Internet | $70 |
Groceries$650 | |
|---|---|
| Monthly estimate | $650 |
Housing figures updated April 2026. Confidence: medium.
car-dependent
Housing Market
- Median Home Price
- ~$599K
- Data Year
- 2026
Tax Rates
- Property Tax Rate
- ~0.68% effective (Jeffco), city mill levy of 4.31 (among lowest in metro)
- Sales Tax Rate
- 7.96% (City 3.46% + State 2.9% + Jeffco 0.50% + RTD 1.10%)
- Vehicle Registration
- Standard Colorado
- State Income Tax Impact
- 4.4% flat
- Cost of Living vs National
- ~33% above national average (housing-driven)
Monthly Costs
- Water Provider
- City of Arvada Water Department (sourced from Denver Water North System & Clear Creek)
- Electric & Gas
- Xcel Energy
- Internet Providers
- Comcast/Xfinity, CenturyLink/Lumen
- Trash & Recycling
- City of Arvada (residential trash, recycling, composting)
- Snow Removal
- City plows arterials; residents handle local streets and sidewalks
Income & Cost Context
- Cost of Living Index
- 132.7 (33% above national average)
- Avg Childcare Cost
- $1,200–$1,500
Common QuestionsFAQ, Arvada
What is the median home price in Arvada?
The median home price in Arvada is approximately $599K as of February 2026. Arvada’s cost of living index is 132.7, about 33% above the national average, driven primarily by housing costs.
What is the cost of living in Arvada?
Arvada’s cost of living index is 132.7, about 33% above the national average, primarily driven by housing costs. The effective property tax rate is approximately 0.68% (Jeffco), with a city mill levy of 4.31, among the lowest in the metro. The combined sales tax rate is 7.96%. Colorado’s state income tax is a flat 4.4%.
Estimates for informational purposes only, not financial advice. Actual costs vary by specific property, subdivision, and household.