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.
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.
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