Cost of Living in Commerce City, CO
Cost of Living in Commerce City, CO has an overall index of 123, 23% above the U.S. baseline of 100. The typical home value is $489,042; typical monthly rent is $1,626; and median household income is $106,756.
Cost index: committed city housing/rent inputs and BEA 2024 metro-area price parities. Home value: Zillow ZHVI market signal as of 2026-02. Rent: Census ACS 2023 fallback place estimate. A place-level signal, not a personal affordability decision or financial recommendation.
Housing costs sit well above the national baseline. This describes the local market, not your household.
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Frequently asked questions about Commerce City
Living in Commerce City
Is Commerce City, CO an expensive place to live?+
Yes — Commerce City is about 23% more expensive than the national average, with an overall Cost Index of 123. Housing is the biggest factor: the typical home here is valued around $489,042, and monthly rents average roughly $1,626. Day-to-day costs like groceries and utilities tend to run closer to the national norm.
How does Commerce City fit a household housing budget?+
Start with housing. Typical monthly rent is $1,626, while local median household income is $106,756. That implies a rent-burden proxy of about 18% before utilities and other costs. Use that as a planning signal for whether the place looks manageable under your own household assumptions.
How much are taxes in Commerce City, CO?+
Colorado uses a flat model; 4.4% is top marginal-rate context. Applying the 0.51% state-level effective owner-occupied proxy to a home worth $489,042 gives a planning estimate near $2,494 per year; it is not a city, county, parcel, or individual tax bill. State plus average local sales-tax context is around 7.79%.
How much does it cost to rent in Commerce City, CO?+
The typical monthly rent in Commerce City is around $1,626. That's about 21% higher than the $1,348 national median. For comparison, the median home value here is $489,042, so buyers should also factor in mortgage payments, property taxes, and insurance.
How much does a house cost in Commerce City, CO?+
The typical home value in Commerce City is $489,042. With 20% down and the committed 6.11% national 30-year fixed benchmark as of 2026-03-12, principal and interest are roughly $2,373/month before property tax and insurance. This is a planning estimate, not a local lender quote. About 78% of residents here own their homes.
Are groceries and utilities expensive in Commerce City?+
Grocery prices in Commerce City are about average compared to the rest of the US (index: 101, where 100 is the national average). Utility bills (electricity, gas, water) are below average (index: 88). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.
What is Commerce City, CO like to live in?+
Commerce City is a smaller city with a population of about 64,640. The median age of residents is 33.9, which is close to the national median. The local poverty rate is 9.59%, near the national average of 12.4%.