Overall
- Fort Collins-Loveland
- 101.1
- Chico
- 101.2
Diff +0.1 RPP
Fort Collins-Loveland vs Chico
Cost of living comparison based on BEA Regional Price Parities. Chico is 0.1% more expensive than Fort Collins-Loveland.
0.1% more expensive
Chico, CA is 0.1% more expensive than Fort Collins-Loveland, CO on BEA Regional Price Parities (overall RPP 101.2 vs 101.1). A $100,000 salary in Fort Collins-Loveland buys about the same as $100,068 in Chico; the largest component gap is services.
- Overall RPP 101.1 (Fort Collins-Loveland) vs 101.2 (Chico)
- $100k in Fort Collins-Loveland ≈ $100,068 purchasing power in Chico
- Services drives the gap (+76.7 RPP points)
RPP parity plate
Pair CO:CA 101.1→101.2
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BOTH-ABOVE · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE CO × CA
- 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.
Fort Collins-Loveland
101.1
Cost Index
Chico
101.2
Cost Index
What This Comparison Actually Tells You
Fort Collins-Loveland, CO and Chico, CA are a photo finish on overall price level, only 0.1 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Services creates the largest separation: Chico is 76.7 points higher. But rents 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 service-heavy household, test childcare, health, and other locally supplied costs before relying on rent alone. The BEA ratio converts $100,000 in Fort Collins-Loveland to $100,068 in Chico, but it is not a personal spending weight.
Category Breakdown
Goods
- Chico
- 105.2
Diff +9.1 RPP
Services
- Chico
- 158.8
Diff +76.7 RPP
Rents
- Fort Collins-Loveland
- 120.6
- Chico
- 91.9
Diff -28.6 RPP
| Category | Fort Collins-Loveland | Chico | Difference |
|---|---|---|---|
| Overall | 101.1 | 101.2 | +0.1 |
| Goods | 96.1 | 105.2 | +9.1 |
| Services | 82.2 | 158.8 | +76.7 |
| Rents | 120.6 | 91.9 | -28.6 |
Visual Comparison
Overall
Fort Collins-Loveland 101.1
Chico 101.2
Goods
Fort Collins-Loveland 96.1
Chico 105.2
Services
Fort Collins-Loveland 82.2
Chico 158.8
Rents
Fort Collins-Loveland 120.6
Chico 91.9
Vertical line = national average (100)
Salary Equivalents
What a salary in Fort Collins-Loveland would need to be in Chico for the same purchasing power:
| In Fort Collins-Loveland | In Chico | Difference |
|---|---|---|
| $50,000 | $50,034 | +$34 |
| $75,000 | $75,051 | +$51 |
| $100,000 | $100,068 | +$68 |
| $150,000 | $150,102 | +$102 |
$ in Fort Collins-Loveland = in Chico
Same BEA Regional Price Parity ratio as the table above (101.1 → 101.2), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Chico more expensive than Fort Collins-Loveland?
Chico is 0.1% more expensive than Fort Collins-Loveland. The overall cost index is 101.2 vs 101.1 (national average = 100).
What salary in Chico equals $100K in Fort Collins-Loveland?
A $100,000 salary in Fort Collins-Loveland has the same purchasing power as $100,068 in Chico. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Fort Collins-Loveland and Chico?
Rents in Fort Collins-Loveland are indexed at 120.6 while Chico is at 91.9 (national average = 100). Fort Collins-Loveland 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.