Broomfield offers the perfect blend of suburban comfort and urban convenience, positioned between Denver and Boulder in Colorado's Front Range. This city of approximately 58,000 residents attracts professionals, families, and outdoor enthusiasts seeking quality schools, tech industry opportunities, and easy access to Rocky Mountain recreation. 

Understanding the Broomfield cost of living calculator becomes essential before making your move, helping you create realistic budgets and salary expectations. This guide breaks down housing costs, daily expenses, transportation needs, and income requirements to live comfortably in Broomfield. You'll discover current rent prices, utility averages, grocery costs, and practical insights for using cost-of-living calculators to plan your relocation budget effectively.

How Much Does It Cost to Live in Broomfield, Colorado?

The cost of living in Broomfield, Colorado, sits approximately 28% higher than the national average as of 2025. Housing represents the largest expense factor, contributing significantly to overall living costs in this desirable Front Range community. The typical household in Broomfield earns a median income of $98,500 annually, reflecting the area's strong job market and educated workforce. Essential expense categories include housing, transportation, food, healthcare, and utilities, each requiring careful budget consideration.

These Broomfield living expenses total approximately $3,365 monthly for a single person, not including entertainment, dining out, or savings contributions. Families with children should budget considerably more for childcare, larger housing, and increased food costs.

Housing Costs in Broomfield: Rent and Home Prices

Housing costs dominate monthly budgets for Broomfield residents, whether renting or buying property. Average rent for a one-bedroom apartment reaches $1,850 per month in 2025, while two-bedroom units average $2,350 monthly. Three-bedroom rentals typically command $2,900 to $3,400, depending on location, amenities, and property age. Studio apartments offer the most affordable option at approximately $1,450 monthly, ideal for single professionals or students.

Home buyers face a median home price of $625,000 in Broomfield as of early 2025. A 20% down payment of $125,000 results in monthly mortgage payments around $3,200 with current interest rates, property taxes, and homeowners' insurance included. 

Property taxes in Broomfield average 0.52% of assessed home value annually, lower than many Colorado Front Range communities. If you are interested in Broomfield housing market analysis, learn more about how to secure quality housing in competitive neighborhoods.

Broomfield Basic Living Expenses: Food, Transportation,  Utilities, and Healthcare

Grocery and Dining

Grocery costs in Broomfield average $450 monthly for a single adult purchasing food at King Soopers, Safeway, or Whole Foods Market locations. A family of four typically spends $1,200 to $1,500 monthly on groceries, depending on dietary preferences and shopping habits. Restaurant meals average $18 for lunch and $35 for dinner per person at mid-range establishments throughout the city.

Transportation

RTD bus service connects Broomfield to Denver and Boulder, with monthly passes costing $114 for local routes. Most residents own vehicles due to limited transit coverage, facing gas expenses averaging $180 monthly based on current Colorado fuel prices. Car insurance costs approximately $165 monthly, while vehicle registration and maintenance add another $100 to monthly transportation budgets.

Utitlities

Utility bills for a standard 900-square-foot apartment total approximately $165 monthly in Broomfield. Xcel Energy provides electricity and natural gas service, with heating costs rising significantly during Colorado's cold winter months. Water and sewer services through the City of Broomfield average $55 monthly, while internet service from providers like Xfinity or CenturyLink costs $70 to $90 for standard speeds. 

Healthcare

Healthcare costs in Broomfield average $520 monthly for an individual with employer-sponsored insurance coverage. This includes monthly premium contributions, copays, prescription medications, and out-of-pocket expenses for routine medical care. Families typically spend $1,400 to $1,800 monthly on healthcare when covering multiple household members. Major healthcare providers in the area include UCHealth Broomfield Hospital, SCL Health, and numerous primary care practices throughout the city.

What Salary Do You Need to Live Comfortably in Broomfield?

Financial experts recommend earning at least $70,000 annually as a single person to live comfortably in Broomfield without financial stress. This salary allows you to follow the 50/30/20 budget rule, allocating 50% to necessities, 30% to discretionary spending, and 20% to savings. A couple without children should aim for a combined household income of $110,000 to $120,000 to maintain comfortable living standards.

Families with children require significantly higher incomes to cover childcare, larger housing, and increased expenses across all categories. A household with two children should earn at least $140,000 annually to avoid paycheck-to-paycheck living situations. Childcare costs in Broomfield average $1,400 monthly per child for full-time daycare, representing a substantial budget consideration for working parents. 

Colorado's strong job market, particularly in technology, aerospace, and healthcare sectors, often provides competitive compensation packages.

Using a Cost of Living Calculator for Your Broomfield Move

Cost-of-living calculators help you compare your current location's expenses against what you'll face in Broomfield. These digital tools require inputting your current salary, housing costs, and general expenses to generate accurate comparison data. 

How to Use the Broomfield Cost of Living Calculator

Start by gathering your current monthly expenses across all major categories before using any calculator. You can use this cost of living calculator and follow these steps to get the most accurate results for your Broomfield move:

• Collect your current expense data: Input your actual rent or mortgage payment, not estimated averages, to receive personalized results for your situation. Include specific amounts for utilities, groceries, transportation, and healthcare costs from your current location.
• Enter accurate salary and household information: Input your current gross salary, household size, and number of dependents for calculations that reflect your actual financial situation. Include any additional income sources, like bonuses or side earnings, for comprehensive results.
• Compare specific spending categories: Enter your specific spending habits on transportation, groceries, and utilities rather than using default calculator estimates. T
• Use multiple calculator sources: Compare results from trusted sources like Bankrate, NerdWallet, or PayScale to verify consistency across platforms. 

American Moving helps Broomfield newcomers understand local cost considerations during the relocation planning process, offering guidance on neighborhood selection and timing moves for optimal budget management. 

If you want to learn more about Broomfield’s neighborhoods, check out the complete area guide to make informed decisions based on budget requirements.

Conclusion

Understanding the Broomfield cost of living calculator helps you create realistic budgets before relocating to this thriving Colorado community. Housing expenses dominate monthly budgets, with transportation, groceries, utilities, and healthcare adding high costs. Careful financial planning and competitive salaries are required to maintain comfortable living standards. 

American Moving specializes in seamless relocations to Broomfield, helping newcomers navigate neighborhood selection, timing considerations, and local market conditions. Contact us today to plan your move to Broomfield and start your next chapter in this dynamic Front Range community with confidence and expert support.

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Broomfield offers an exceptional quality of life with its strategic location between Denver and Boulder, thriving job market, and family-friendly amenities. However, understanding the financial requirements to live comfortably in this growing city is essential before making the move. Housing costs, transportation expenses, and everyday living costs all play significant roles in determining how much you need to earn. 

This comprehensive guide breaks down the exact salary requirements for singles and families, explores current cost-of-living data, and provides actionable tips to help you budget effectively. Whether you're relocating for work or seeking a better lifestyle, you'll discover what it truly takes to thrive financially in Broomfield.

What Is the Average Salary in Broomfield, Colorado?

Broomfield residents earn a median household income of approximately $95,500 as of 2024, according to the U.S. Census Bureau. This figure sits notably above Colorado's statewide median household income of around $84,000, reflecting the city's strong economic foundation. The technology, aerospace, and healthcare sectors drive much of Broomfield's wage growth, with major employers like Ball Corporation, Vail Resorts, and Level 3 Communications headquartered in the area. Individual workers in Broomfield earn a median income of approximately $52,000 annually, though this varies significantly by industry and experience level.

How Much Do You Need to Earn to Live Comfortably in Broomfield?

A single adult needs approximately $65,000 to $75,000 annually to live comfortably in Broomfield, according to MIT's Living Wage Calculator. This salary range allows for housing, transportation, food, healthcare, and some discretionary spending without financial strain. Families with two working adults and two children should target a combined household income of $110,000 to $130,000 to maintain a comfortable lifestyle. The widely recommended 50/30/20 budget rule provides a practical framework for managing these earnings. Under this approach, 50% of your income covers essential needs, 30% funds discretionary wants, and 20% goes toward savings and debt repayment.

                                               Source: Department for Professional Employees, 2024

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Broomfield's Cost of Living Expenses Overview

Housing Costs

Housing represents the largest expense for Broomfield residents, with average rent for a one-bedroom apartment reaching approximately $1,750 to $2,100 per month as of 2025. Two-bedroom apartments typically cost between $2,200 and $2,700 monthly, depending on location and amenities. Home prices in Broomfield average around $625,000, with a median monthly mortgage payment of approximately $3,400 for buyers putting 20% down. 

The Broomfield Neighborhoods: Complete Area Guide can help you identify areas that match your budget while offering desirable amenities.

Transportation Expenses

Transportation costs in Broomfield remain moderate compared to larger metro areas. Gas prices in the Denver metro area averaged $3.20 per gallon as of late 2024, with typical drivers spending $150 to $250 monthly on fuel. RTD public transit serves Broomfield with monthly passes costing $114 for local service or $200 for regional access. Car insurance rates average approximately $180 to $220 monthly for Colorado drivers.

Grocery and Food Costs

Grocery expenses for a single adult in Broomfield typically range from $350 to $450 monthly, while families of four spend approximately $900 to $1,200 per month. Dining out at mid-range restaurants costs approximately $15 to $25 per person. Families eating out 2-3 times weekly should budget $300 to $500 monthly for restaurant meals.

Utilities

Monthly utility costs in Broomfield remain relatively moderate compared to other Colorado Front Range communities. Electricity bills through Xcel Energy average $80 to $120 monthly for apartments and $120 to $180 for single-family homes, depending on square footage and seasonal usage. 

Natural gas heating costs typically range from $30 to $50 monthly during summer and $80 to $150 during winter. Water and sewer services through the City and County of Broomfield average $50 to $75 monthly. Internet service costs approximately $60 to $90 monthly for standard broadband speeds.

Medical and Healthcare

Healthcare represents a significant budget consideration for Broomfield residents. Individual health insurance premiums through Colorado's marketplace average $450 to $650 monthly for comprehensive coverage, depending on age and plan selection. Family plans typically cost $1,200 to $1,800 monthly. Out-of-pocket medical expenses including copays, prescriptions, and deductibles, add approximately $200 to $400 monthly for individuals and $400 to $700 for families. 

SCL Health and UCHealth operate facilities in and near Broomfield, providing quality care options. Many young professionals in Broomfield opt for high-deductible health plans paired with Health Savings Accounts to reduce monthly premium costs.

Tips for Stretching Your Salary in Broomfield

Making your income go further in Broomfield requires strategic planning and smart financial decisions. These practical strategies help you maximize your earnings while maintaining quality of life.

• Explore neighboring communities for housing savings. Westminster and Thornton offer rental prices that run $200 to $400 lower monthly than comparable Broomfield properties, while still providing easy access to Broomfield's amenities through short commutes.
• Utilize public transportation to reduce vehicle costs. RTD's bus routes and Flatiron Flyer connections save significant money on gas, parking fees, and vehicle wear for daily commuters, potentially cutting transportation costs by 30-40%.
• Take advantage of free community activities and recreation. Broomfield offers extensive trail systems, well-maintained community parks, and seasonal events at the 1stBank Center that provide entertainment without expense.
• Shop strategically at discount grocers and warehouse clubs. Purchasing groceries at Aldi or buying in bulk at Costco reduces monthly food expenses by 15-20%, with families potentially saving $150 to $300 monthly.

Partner with professional movers for cost-effective relocation. When relocating to Broomfield, American Moving offers professional moving services that help you transition smoothly without breaking your budget, ensuring your belongings arrive safely at your new home.

Conclusion

Living comfortably in Broomfield requires careful financial planning and realistic salary expectations. Single adults need approximately $65,000 to $75,000 annually, while families should target $110,000 to $130,000 in combined household income. Housing represents the largest expense, followed by transportation, food, and healthcare costs. However, Broomfield's strong job market, excellent schools, and outstanding recreational amenities justify the investment for many residents. Smart budgeting strategies and thoughtful spending choices make this thriving city accessible to various income levels. 

Ready to make Broomfield your new home? American Moving provides reliable, professional moving services throughout Broomfield and surrounding areas, making your transition seamless and stress-free from start to finish. Contact us today.

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Broomfield offers a unique blend of suburban comfort and urban accessibility in the Denver metro area. Understanding the Broomfield cost of living helps you plan your budget effectively before making the move. This Colorado city sits between Denver and Boulder, providing residents with access to major employment hubs while maintaining a family-friendly atmosphere. The cost of living in Broomfield, Colorado, reflects its desirable location and quality amenities. 

This guide breaks down housing expenses, transportation costs, grocery bills, utilities, healthcare, and education expenses. You'll discover exactly what to expect financially when calling Broomfield home.

How Does Broomfield's Cost of Living Compare Overall?

The overall Broomfield, Colorado, budget requires careful planning but offers excellent value. According to Bestplaces.net, the city's cost of living index sits at approximately 132.1, with 100 representing the national average. Broomfield ranks as the 47th most expensive city in Colorado as of 2024, positioning it below Boulder and Aspen but above Fort Collins and Colorado Springs.

Housing drives the higher cost of living in Broomfield, Colorado, standing 95% above the national average. Transportation costs run 15% higher than in typical U.S. cities. Grocery expenses match national averages closely, while healthcare costs remain 5% below average. 

The city's excellent schools, low crime rates, and abundant recreational opportunities justify the premium. Median household income in Broomfield reaches approximately $121,025 annually, supporting the higher living expenses. Residents enjoy 300 days of sunshine, numerous parks, and proximity to Rocky Mountain recreation.

How Much Do I Need to Live in Broomfield, Colorado?

The income needed to live comfortably in Broomfield depends on your household size and lifestyle choices. Financial experts recommend allocating no more than 30% of gross income toward housing costs.

• Single adults: A single person needs approximately $5,200 monthly or $62,400 annually to cover basic living expenses. A comfortable lifestyle with savings requires closer to $75,000 annually.
• Families with children: A family of four needs approximately $8,900 monthly or $106,800 annually for basic expenses. Families living comfortably require annual incomes exceeding $130,000.

The Broomfield Neighborhoods: Complete Area Guide helps identify areas matching your budget and lifestyle preferences.

How Much Does Housing Cost in Broomfield?

Housing represents the largest expense for most Broomfield residents. The city's real estate market remains competitive due to its strategic location and excellent schools.

Average rent in Broomfield varies significantly by property type. A one-bedroom apartment costs approximately $1,734 per month as of October 2025. Two-bedroom units average $2,192 monthly, while three-bedroom rentals reach around $2,900. These Broomfield housing costs exceed the national average but remain lower than nearby Boulder. 

The median home price in Broomfield sits at approximately $626,095 as of September 2025. Homebuyers with a 20% down payment face monthly mortgage payments of around $3,800, including property taxes and insurance. Property taxes in Broomfield average 0.50% of assessed home value annually, lower than in many Colorado communities. 

The Broomfield Housing Market Analysis provides deeper insights into purchasing trends and neighborhood pricing variations.

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What Are Transportation Costs in Broomfield?

Transportation expenses in Broomfield depend heavily on your commuting habits. The city's layout makes vehicle ownership practically essential for most residents.

• Gas and commuting expenses: Gas prices in Broomfield fluctuate but averaged $3.25 per gallon in October 2024. Most residents commute to Denver or Boulder for work, traveling 15 to 30 miles daily. A typical commuter spends approximately $180 monthly on fuel.
• Public transportation options: The Regional Transportation District (RTD) operates limited bus service in Broomfield, with monthly passes costing $114. The city's central location provides easy access to Interstate 25 and U.S. Highway 36, reducing commute times significantly.
• Vehicle registration and insurance: Vehicle registration fees in Colorado include a $60 registration fee plus ownership tax based on vehicle value. Auto insurance in Broomfield averages $1,800 annually, or $150 monthly for full coverage.

How Much Do Groceries and Dining Cost in Broomfield?

Food expenses represent a significant portion of the living expenses Broomfield residents manage monthly. The city offers numerous grocery stores and dining establishments.

• Monthly grocery budgets: A single person spends approximately $400 monthly on groceries. Families of four budget around $1,100 for monthly groceries. Major grocery chains include King Soopers, Safeway, Whole Foods, and Trader Joe's.
• Restaurant costs: A casual dining meal costs approximately $18 per person, while mid-range restaurant dinners average $65 for two people. Fast food meals run about $11 per person.

What Are Utility Costs in Broomfield?

Utility bills fluctuate seasonally but remain relatively predictable for budget planning purposes. Broomfield residents enjoy competitive rates from local providers.

• Basic utilities: The average monthly utility bill totals approximately $180 for a standard apartment. This includes electricity, heating, cooling, water, and garbage services from Xcel Energy and the City of Broomfield.
• Internet and communication: Internet service costs between $60 and $90 monthly for standard speeds. Cell phone plans average $70 per line monthly.
• Water and sewer: Services through the City of Broomfield average $65 monthly for typical household usage.

How Much Does Healthcare Cost in Broomfield?

Healthcare expenses vary based on insurance coverage and medical needs. Broomfield provides excellent access to quality medical facilities.

• Health insurance: Individual health insurance premiums in Colorado average $477 monthly for marketplace plans as of 2024. Family coverage costs approximately $1,400 monthly.
• Medical services: Doctor visits with insurance copays range from $25 to $50 per appointment. SCL Health and UCHealth operate major medical facilities serving Broomfield residents.
• Additional coverage: Dental insurance adds roughly $40 monthly for individual coverage. Vision insurance costs about $15 monthly.

What Are Childcare and Education Costs in Broomfield?

Families with children face substantial childcare and education expenses. Broomfield offers excellent public schools and numerous childcare options.

• Daycare costs: Full-time infant daycare costs approximately $1,500 monthly, or $18,000 annually. Toddler care averages $1,300 monthly, while preschool programs range from $900 to $1,200 monthly.
• School options: The Adams 12 Five Star Schools and Boulder Valley School District serve Broomfield with highly-rated public schools at no tuition cost. Private schools charge between $8,000 and $20,000 annually.‍
• After-school programs: After-school care costs approximately $400 monthly. Summer camps range from $200 to $500 weekly.

Conclusion

Understanding the Broomfield cost of living empowers you to make informed financial decisions. Housing costs dominate monthly budgets, but the city's quality of life justifies the investment. Transportation, groceries, utilities, healthcare, and childcare all require careful budget allocation. Broomfield's strong economy and excellent amenities create opportunities for families and professionals alike. 

American Moving makes your transition to Broomfield seamless and stress-free with professional moving services tailored to your needs. Contact American Moving today to receive a free moving quote and experience white-glove service from Broomfield's trusted moving experts. Let our experienced team handle the heavy lifting while you focus on settling into your new Broomfield home.