Overall
- Bozeman
- 102.5
- Fort Collins-Loveland
- 101.1
Diff -1.4 RPP
Bozeman vs Fort Collins-Loveland
Cost of living comparison based on BEA Regional Price Parities. Fort Collins-Loveland is 1.3% less expensive than Bozeman.
1.3% less expensive
Fort Collins-Loveland, CO is 1.3% less expensive than Bozeman, MT on BEA Regional Price Parities (overall RPP 101.1 vs 102.5). A $100,000 salary in Bozeman buys about the same as $98,652 in Fort Collins-Loveland; the largest component gap is rents.
- Overall RPP 102.5 (Bozeman) vs 101.1 (Fort Collins-Loveland)
- $100k in Bozeman ≈ $98,652 purchasing power in Fort Collins-Loveland
- Rents drives the gap (-18.6 RPP points)
RPP parity plate
Pair MT:CO 102.5→101.1
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BOTH-ABOVE · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE MT × CO
- SPLIT-BUDGET Split budget
- BOTH-ABOVE Both above 100
- PP-PAR PP near-par
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
Bozeman
102.5
Cost Index
Fort Collins-Loveland
101.1
Cost Index
What This Comparison Actually Tells You
Bozeman, MT and Fort Collins-Loveland, CO are a photo finish on overall price level, only 1.4 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Rents creates the largest separation: Fort Collins-Loveland is 18.6 points lower. But services and goods move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
Both metros exceed the U.S. benchmark of 100. The choice is between two national premiums, so local wages need to clear the higher baseline in either market.
For a housing-sensitive move, validate the rent gap first: HUD Fair Market Rent and the actual unit size can overturn what the blended index implies. On the BEA ratio alone, $100,000 in Bozeman corresponds to $98,652 in Fort Collins-Loveland.
Category Breakdown
Goods
- Bozeman
- 96.0
Diff +0.0 RPP
Services
- Bozeman
- 73.6
Diff +8.5 RPP
Rents
- Bozeman
- 139.2
- Fort Collins-Loveland
- 120.6
Diff -18.6 RPP
| Category | Bozeman | Fort Collins-Loveland | Difference |
|---|---|---|---|
| Overall | 102.5 | 101.1 | -1.4 |
| Goods | 96.0 | 96.1 | +0.0 |
| Services | 73.6 | 82.2 | +8.5 |
| Rents | 139.2 | 120.6 | -18.6 |
Visual Comparison
Overall
Bozeman 102.5
Fort Collins-Loveland 101.1
Goods
Bozeman 96.0
Fort Collins-Loveland 96.1
Services
Bozeman 73.6
Fort Collins-Loveland 82.2
Rents
Bozeman 139.2
Fort Collins-Loveland 120.6
Vertical line = national average (100)
Salary Equivalents
What a salary in Bozeman would need to be in Fort Collins-Loveland for the same purchasing power:
| In Bozeman | In Fort Collins-Loveland | Difference |
|---|---|---|
| $50,000 | $49,326 | $-674 |
| $75,000 | $73,989 | $-1,011 |
| $100,000 | $98,652 | $-1,348 |
| $150,000 | $147,978 | $-2,022 |
$ in Bozeman = in Fort Collins-Loveland
Same BEA Regional Price Parity ratio as the table above (102.5 → 101.1), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Fort Collins-Loveland more expensive than Bozeman?
Fort Collins-Loveland is 1.3% less expensive than Bozeman. The overall cost index is 101.1 vs 102.5 (national average = 100).
What salary in Fort Collins-Loveland equals $100K in Bozeman?
A $100,000 salary in Bozeman has the same purchasing power as $98,652 in Fort Collins-Loveland. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Bozeman and Fort Collins-Loveland?
Rents in Bozeman are indexed at 139.2 while Fort Collins-Loveland is at 120.6 (national average = 100). Bozeman has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.