Overall
- Fort Collins-Loveland
- 101.1
- Lancaster
- 98.3
Diff -2.9 RPP
Fort Collins-Loveland vs Lancaster
Cost of living comparison based on BEA Regional Price Parities. Lancaster is 2.8% less expensive than Fort Collins-Loveland.
2.8% less expensive
Lancaster, PA is 2.8% less expensive than Fort Collins-Loveland, CO on BEA Regional Price Parities (overall RPP 98.3 vs 101.1). A $100,000 salary in Fort Collins-Loveland buys about the same as $97,161 in Lancaster; the largest component gap is rents.
- Overall RPP 101.1 (Fort Collins-Loveland) vs 98.3 (Lancaster)
- $100k in Fort Collins-Loveland ≈ $97,161 purchasing power in Lancaster
- Rents drives the gap (-26.8 RPP points)
RPP parity plate
Pair CO:PA 101.1→98.3
TIER-NEAR · CROSS-STATE · SPLIT-BUDGET · BENCH-CROSS · PP-SHIFT
- TIER-NEAR Near tier
- CROSS-STATE CO × PA
- SPLIT-BUDGET Split budget
- BENCH-CROSS Benchmark cross
- PP-SHIFT PP shift
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.
Category Breakdown
Goods
- Lancaster
- 100.7
Diff +4.6 RPP
Services
- Lancaster
- 107.3
Diff +25.1 RPP
Rents
- Fort Collins-Loveland
- 120.6
- Lancaster
- 93.8
Diff -26.8 RPP
| Category | Fort Collins-Loveland | Lancaster | Difference |
|---|---|---|---|
| Overall | 101.1 | 98.3 | -2.9 |
| Goods | 96.1 | 100.7 | +4.6 |
| Services | 82.2 | 107.3 | +25.1 |
| Rents | 120.6 | 93.8 | -26.8 |
Visual Comparison
Overall
Fort Collins-Loveland 101.1
Lancaster 98.3
Goods
Fort Collins-Loveland 96.1
Lancaster 100.7
Services
Fort Collins-Loveland 82.2
Lancaster 107.3
Rents
Fort Collins-Loveland 120.6
Lancaster 93.8
Vertical line = national average (100)
What This Comparison Actually Tells You
Rents creates the largest separation: Lancaster is 26.8 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.
Lancaster, PA is 2.8% less expensive than Fort Collins-Loveland, CO, a meaningful but not extreme shift. The move decision turns on which budget category creates the 2.9-point overall gap.
This route crosses the national benchmark: Fort Collins-Loveland is above 100 while Lancaster is below it. That makes the move a change of price regime, not merely a rank swap.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
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 Fort Collins-Loveland corresponds to $97,161 in Lancaster.
Fort Collins-Loveland
101.1
Cost Index
Lancaster
98.3
Cost Index
Salary Equivalents
What a salary in Fort Collins-Loveland would need to be in Lancaster for the same purchasing power:
| In Fort Collins-Loveland | In Lancaster | Difference |
|---|---|---|
| $50,000 | $48,581 | $-1,419 |
| $75,000 | $72,871 | $-2,129 |
| $100,000 | $97,161 | $-2,839 |
| $150,000 | $145,742 | $-4,258 |
$ in Fort Collins-Loveland = in Lancaster
Same BEA Regional Price Parity ratio as the table above (101.1 → 98.3), computed live from your number, nothing is sent anywhere.
How the Price Gap Changed
Fort Collins-Loveland and Lancaster share 17 published annual releases from 2008 through 2024. Their overall gap narrowed, moving from 3.0 to 2.9 RPP points. Fort Collins-Loveland remained the higher-index metro in the latest release.
Rents changed the most within this pair: its gap moved 21.5 points between the first and latest shared releases (5.3 to 26.8 points). This describes a relative price-index history, not a forecast or a household budget.
| Release Year | Fort Collins-Loveland RPP | Lancaster RPP | Relative Gap |
|---|---|---|---|
| 2008 | 97.2 | 100.2 | 3.0 points Lancaster higher |
| 2012 | 104.7 | 97.8 | 6.9 points Fort Collins-Loveland higher |
| 2016 | 101.4 | 99.4 | 2.0 points Fort Collins-Loveland higher |
| 2020 | 98.5 | 97.9 | 0.6 points Fort Collins-Loveland higher |
| 2024 | 101.1 | 98.3 | 2.9 points Fort Collins-Loveland higher |
Annual BEA Regional Price Parity releases; a higher index means a higher price level relative to the national average of 100. Selected years shown from the full shared series.
Frequently Asked Questions
Is Lancaster more expensive than Fort Collins-Loveland?
Lancaster is 2.8% less expensive than Fort Collins-Loveland. The overall cost index is 98.3 vs 101.1 (national average = 100).
What salary in Lancaster equals $100K in Fort Collins-Loveland?
A $100,000 salary in Fort Collins-Loveland has the same purchasing power as $97,161 in Lancaster. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Fort Collins-Loveland and Lancaster?
Rents in Fort Collins-Loveland are indexed at 120.6 while Lancaster is at 93.8 (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.