Cost of Living in Wheat Ridge
Denver's closest suburb, 6 miles, small-town feel
What it costs to live in Wheat Ridge
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$3,535 – $3,935 | |
|---|---|
| Mortgage (6.5%, 20% down) | $3,110 |
| Property tax | $258 |
| HOA | $0 – $200 |
| Insurance | $167 |
| Metro district fees | not yet verified |
Transportation$528 | |
|---|---|
| Car payments (your input) | $500 |
| Gas (~10 min to downtown) | $28 |
Utilities$345 | |
|---|---|
| Electric & gas (Xcel Energy) | $205 |
| Water (Wheat Ridge Water District (est. 1939) and Valley Water District) | $70 |
| Internet | $70 |
Groceries$650 | |
|---|---|
| Monthly estimate | $650 |
Housing figures updated April 2026. Confidence: low.
car-dependent overall
Housing Market
- Median Home Price
- ~$615K
- Data Year
- 2026
Tax Rates
- Property Tax Rate
- ~0.5% effective rate (Jeffco median ~$3,434/yr)
- Sales Tax Rate
- 8.0% combined (city 3.5% + county 0.5% + state 2.9% + special 1.1%)
- Vehicle Registration
- Standard Colorado
- State Income Tax Impact
- 4.4% flat
- Cost of Living vs National
- 33% above national average (BestPlaces). Housing is the primary driver.
Monthly Costs
- Water Provider
- Wheat Ridge Water District (est. 1939) and Valley Water District
- Electric & Gas
- Xcel Energy
- Internet Providers
- Comcast/Xfinity (up to 1 Gbps), CenturyLink
- Trash & Recycling
- City-contracted services
- Snow Removal
- City of Wheat Ridge Public Works
Income & Cost Context
- Cost of Living Index
- 33% above national average (BestPlaces index 132.7). Housing is the primary driver.
- Avg Childcare Cost
- $2,000 avg full-time (Winnie 2025)
Common QuestionsFAQ, Wheat Ridge
What is the median home price in Wheat Ridge?
As of 2026, the median home price in Wheat Ridge is approximately $615K. The cost of living is 33% above the national average (BestPlaces index 132.7), with housing as the primary driver. Many Wheat Ridge homes are non-HOA properties, which can reduce ongoing monthly costs.
What is the cost of living in Wheat Ridge?
Wheat Ridge’s cost of living is 33% above the national average (BestPlaces), with housing as the primary driver. The effective property tax rate is approximately 0.5% (Jeffco median ~$3,434 per year). The combined sales tax rate is 8.0% (city 3.5% + county 0.5% + state 2.9% + special 1.1%). Colorado’s flat state income tax rate is 4.4%.
Estimates for informational purposes only, not financial advice. Actual costs vary by specific property, subdivision, and household.