Living Alone in Denver, CO: What It Really Costs
A complete monthly budget breakdown for a single person living independently in Denver. Based on 2026 federal data adjusted for local cost of living.
Living alone in Denver costs 28% more than the national average for solo dwellers.
What Does Solo Living in Denver Look Like?
Known as "the Mile High City", Denver is a large city in the Western United States with a population of 715,522 and a median household income of $72,661. For someone living alone, the biggest expense is housing — a studio or 1-bedroom apartment will run you about $144/month, which accounts for 10% of your total monthly spend. At 28% above the national solo-living average, Denver demands a robust income to maintain comfortable independence.
Complete Monthly Budget Breakdown
| Category | Monthly Cost | % of Budget | Type |
|---|---|---|---|
| 🏠 Studio/1BR Rent | $144 | 10% | Essential |
| 🛒 Groceries (one person) | $29 | 2% | Essential |
| ⚡ Utilities | $14 | 1% | Essential |
| 🚗 Transportation | $30 | 2% | Essential |
| 🛡️ Car Insurance | $190 | 13% | Essential |
| 🏥 Health Insurance | $53 | 4% | Essential |
| 📡 Internet | $83 | 6% | Discretionary |
| 📱 Phone Plan | $98 | 7% | Discretionary |
| 🍽️ Dining Out | $320 | 23% | Discretionary |
| 🎬 Entertainment | $192 | 14% | Discretionary |
| 💇 Personal Care | $102 | 7% | Discretionary |
| 👕 Clothing | $122 | 9% | Discretionary |
| 📺 Subscriptions & Gym | $45 | 3% | Discretionary |
| Total Monthly Budget | $1,422 | 100% |
Can You Afford to Live Alone in Denver?
Here's how different salary levels stack up against the solo living costs in Denver:
Tips for Living Alone in Denver
- 💡 Housing: Denver's rent is manageable for solo earners. Focus on securing a lease with utilities included to stabilize your monthly costs.
- 🍳 Food: Cooking at home saves roughly $192/month vs eating out regularly. Meal prep on Sundays is the single biggest budget lever for solo dwellers.
- 🚌 Transport: As a larger metro, Denver may offer viable public transit. Ditching a car saves roughly $202/month in insurance + fuel.
- 🏥 Insurance: If your employer offers health coverage, your actual out-of-pocket drops significantly. The $53/month estimate assumes marketplace insurance.
- 💰 The 50/30/20 Rule: On a $29,253 salary, aim for $902 needs, $541 wants, $361 savings per month.