Colorado Military Retirement: Best Cities, Housing Costs & Quality of Life
Where to retire in Colorado as a veteran: best cities ranked by benefits, housing costs, veteran population, and quality of life for 2025.
Colorado Military Retirement: Best Cities, Housing Costs & Quality of Life
Colorado ranks among the most desirable states for military retirees thanks to outdoor recreation, four-season climate, strong military community, and booming defense industry. With approximately 332,000 veterans calling Colorado home, the state offers diverse living options from mountain towns to Front Range cities to plains communities.
But where should you actually live? Colorado's cities vary dramatically in housing costs (Denver metro is expensive), altitude (respiratory concerns), veteran population density, job opportunities, and access to VA healthcare.
This guide ranks Colorado's best cities for veterans with real data on home prices, veteran populations, and quality of life factors.
Bottom Line Up Front
Best overall for veterans: Colorado Springs (#5 nationally per WalletHub 2025) Best for jobs: Colorado Springs (250+ defense contractors, 14,000+ Lockheed Martin employees) Best for affordability: Pueblo, Greeley, Grand Junction Best for healthcare access: Aurora/Denver (Rocky Mountain Regional VA Medical Center) Best for education benefits: Boulder (CU), Fort Collins (CSU), Denver (DU)
Median home price range: $190,000 (Pueblo) to $610,000 (Denver) State average: ~$488,000
Critical consideration: Altitude ranges 3,300-7,000+ feet. Veterans with respiratory or cardiovascular conditions should consult doctors before moving to Colorado.
Top 10 Best Cities for Veterans in Colorado
1. Colorado Springs - "Olympic City USA"
Overall Grade: A+ WalletHub 2025 National Ranking: #5
Why it's #1: Colorado Springs combines the strongest military community in Colorado, 250+ defense contractors, three VA clinics, affordable housing (compared to Denver), and world-class outdoor recreation. It ranked 5th nationally, 45th in employment, 8th in economy, 12th in quality of life, and 26th in health.
Veteran Population
- El Paso County veterans: 80,000+ (highest concentration in Colorado)
- Concentration: Approximately 13-15% of adult population
- Active duty: 111,000 active service members
- Monthly separations: 400+ veterans transitioning to civilian life monthly
Military installations:
- Fort Carson - 25,000+ soldiers (4th Infantry Division, 10th Special Forces Group)
- Peterson Space Force Base - Space Operations Command, NORAD, USNORTHCOM
- Schriever Space Force Base - Space Delta 4 (formerly 50th Space Wing)
- Cheyenne Mountain Space Force Station - NORAD alternate command center
- U.S. Air Force Academy - 4,000 cadets
This is America's military city - five installations, strongest veteran community in Colorado, unmatched defense industry.
Housing Market
- Median home price: $470,000-$488,000
- Range: $300,000-$800,000+ depending on neighborhood
- Affordable areas: Security-Widefield ($350K-450K), Fountain ($300K-400K)
- Expensive areas: Broadmoor area ($700K-2M+), north Colorado Springs ($500K-700K)
- Property tax with exemption: ~$50-100 savings (Colorado's 50% exemption on first $200K)
Cost of Living
- Overall index: 102 (2% above national average)
- Housing: 10% above national average
- Utilities: 24% below national average (mild climate compared to Denver)
- Groceries: 2% above national average
- Living wage for single adult: $47,160/year
- Median household income: $83,198
10% lower than Denver metro - this is Colorado Springs' major advantage
Employment Opportunities
Defense Contractors (250+ companies, $7 billion economic impact):
- Lockheed Martin - Multiple Colorado facilities, massive presence
- Northrop Grumman - Space systems, cybersecurity
- L3Harris Technologies - Communications, defense electronics
- General Dynamics - IT, mission support
- Raytheon Technologies - Missile systems
- Booz Allen Hamilton - Consulting, IT
- Leidos - Engineering, IT support
- BAE Systems - Defense electronics
- SAIC - IT, engineering services
Why employment is exceptional:
- 400 veterans separate from military monthly (constant talent pipeline)
- Security clearances maintained through active duty proximity
- Defense contractors actively recruit transitioning service members
- Strong preference for hiring veterans with relevant experience
Other major employers:
- UCHealth Memorial Hospital Central
- Peak Vista Community Health Centers
- Colorado Springs School District 11
- City of Colorado Springs
Average salaries: $60,000-$120,000 depending on industry (defense contracting pays premium)
VA Healthcare Access
- Union Boulevard VA Clinic: 3920 North Union Boulevard, Colorado Springs, CO 80907 | (719) 327-5660
- Garden of the Gods VA Clinic: 1365 Garden of the Gods Road, Suite 105, Colorado Springs, CO 80907 | (719) 685-5750
- Space Center VA Clinic: 565 Space Center Drive, Suite 130, Colorado Springs, CO 80915 | (719) 313-2900
- Fort Carson VA Clinic: On-post clinic for transitioning service members
Three separate VA clinics serve 80,000 veterans - excellent access for primary care and mental health
Rocky Mountain Regional VA Medical Center (Aurora): 70 miles north, 1 hour drive for complex care
Quality of Life
- Climate: 300 days of sunshine, cold winters (20-40°F), warm summers (80-90°F), low humidity
- Altitude: 6,035 feet - discuss with doctor if you have respiratory/cardiovascular conditions
- Outdoor recreation: Pikes Peak, Garden of the Gods, 55+ local parks, mountain biking, hiking, rock climbing
- Sports: U.S. Olympic Training Center, Air Force Academy football, Colorado Springs Switchbacks FC (soccer)
- Culture: Colorado Springs Philharmonic, Pioneer Museum, Western Museum of Mining & Industry
- Education: University of Colorado Colorado Springs (UCCS), Pikes Peak Community College
- Crime: Moderate - varies by neighborhood (north safer than southeast)
Altitude health consideration: At 6,035 feet, veterans with COPD, heart conditions, or pulmonary issues may struggle. Study showed 45% of veterans experienced mild acute mountain sickness at similar altitude. Consult your VA provider before relocating.
Pros:
- #5 best city for veterans nationally
- Strongest military community in Colorado (80,000 vets, 111,000 active duty)
- Best defense contractor job market (250+ companies)
- Three VA clinics for excellent healthcare access
- More affordable than Denver metro (10% lower cost of living)
- Outstanding outdoor recreation (Pikes Peak, Garden of the Gods)
- 300 days of sunshine
- Strong schools and family-friendly
- No vehicle registration exemption offset by lower overall costs
Cons:
- High altitude (6,035 feet) - respiratory/cardiovascular concerns
- Traffic congestion during peak hours
- Some high-crime areas (southeast Colorado Springs)
- Housing costs rising (though still cheaper than Denver)
- Sprawling city requires vehicle
- Conservative political climate (may not suit all veterans)
Bottom line: If you can handle the altitude and want to be surrounded by military community with exceptional job opportunities, Colorado Springs is the clear choice. It's the #1 military town in Colorado and #5 nationally for veterans for good reason.
2. Aurora - "Gateway to the Rockies"
Overall Grade: A
Why it ranks #2: Home to Rocky Mountain Regional VA Medical Center (best VA access in Colorado), major defense contractors, diverse community, and proximity to Denver employment without downtown prices.
Veteran Population
- Arapahoe County: Large veteran population (part of Denver metro)
- Aurora: Growing veteran community
- Military connection: Former Fitzsimons Army Medical Center (now VA Medical Center and state veterans home)
Housing Market
- Median home price: $500,000-$525,000
- Range: $350,000-$700,000
- More affordable than: Denver proper, Boulder
- More expensive than: Colorado Springs
Cost of Living
- Overall: Similar to Denver metro average
- Housing: Above national average but below Denver city limits
- Access to Denver jobs without downtown costs
Employment Opportunities
Major defense contractors (Aurora hosts major facilities):
- Raytheon Technologies
- Boeing - Space systems
- Northrop Grumman
- Lockheed Martin
- Leidos
- General Dynamics
Other major employers:
- UCHealth University of Colorado Hospital (on former Fitzsimons campus)
- Children's Hospital Colorado
- Buckley Space Force Base (borders Aurora)
- City of Aurora
- Amazon fulfillment center
Why employment is strong: Aurora sits between Denver and Denver International Airport, attracting defense contractors, healthcare, and logistics companies.
VA Healthcare Access
- Rocky Mountain Regional VA Medical Center: 1700 North Wheeling Street, Aurora, CO 80045 | (303) 399-8020
- This is the flagship VA facility in Colorado - state-of-the-art, opened 2018
- 24/7 emergency department
- Full surgical capabilities, specialty care
- On-site parking (fee applies)
Veterans Community Living Center at Fitzsimons: 1919 Quentin Street, Aurora, CO 80045 | (303) 284-6000
- 180-bed state veterans home adjacent to VA hospital
- Best VA access in Colorado - critical for veterans with complex medical needs
Quality of Life
- Climate: Cold winters, warm summers, 300 days of sunshine
- Altitude: 5,471 feet
- Outdoor recreation: Cherry Creek State Park, Aurora Reservoir, High Line Canal Trail
- Diversity: Most diverse city in Colorado (multicultural community)
- Education: Community College of Aurora, University of Colorado Anschutz Medical Campus
- Crime: Moderate to high in some areas - research specific neighborhoods carefully
Pros:
- Best VA healthcare access in Colorado (on-site medical center)
- State veterans home adjacent to VA (exceptional for aging veterans)
- Major defense contractors (excellent veteran employment)
- Access to Denver metro job market
- More affordable than Denver city proper
- Diverse, multicultural community
- Close to Denver International Airport
Cons:
- Higher cost of living than Colorado Springs
- Some high-crime areas (east Aurora)
- Less "mountain town" feel (suburban sprawl)
- Traffic congestion
- Not as strong military community as Colorado Springs
Bottom line: Aurora is ideal for veterans prioritizing VA healthcare access and defense contractor employment who want Denver metro amenities at lower cost than downtown Denver.
3. Fort Collins - "Choice City"
Overall Grade: A-
Why it ranks #3: College town atmosphere (Colorado State University), strong economy, outdoor recreation, safer than Denver/Colorado Springs, and lower altitude (5,000 feet vs. 6,035 in Colorado Springs).
Veteran Population
- Larimer County: 20,000+ veterans
- CSU students: 1,606 GI Bill students (strong student veteran community)
- Military connection: Moderate military presence, primarily CSU ROTC
Housing Market
- Median home price: $575,000-$600,000
- Challenge: High prices due to CSU demand and desirability
- Range: $400,000-$900,000
Cost of Living
- Overall: 107 (7% above national average)
- Housing: Significantly above national average (competitive market)
- Quality of life drives prices - consistently ranked one of best places to live in U.S.
Employment Opportunities
Major employers:
- Colorado State University - 8,000+ employees
- Hewlett Packard Enterprise (HPE) - 2,000+
- Woodward, Inc. - Aerospace components
- UCHealth Poudre Valley Hospital
- Intel - Planned expansion
- Broadcom
- Otter Products
- New Belgium Brewing
Industries: Education, technology, healthcare, renewable energy, craft brewing
Why Fort Collins is different: Less defense-focused than Colorado Springs, more tech/education/healthcare. Good for veterans transitioning away from military-adjacent careers.
VA Healthcare Access
- Fort Collins Vet Center: 1100 Poudre River Drive, Fort Collins, CO 80524 | (970) 221-5176
- No CBOC for primary care - veterans drive to Cheyenne, Wyoming VA or Aurora VA
- Distance to Rocky Mountain Regional VA: 65 miles south, 1+ hour
- This is a weakness - no local VA primary care clinic
Quality of Life
- Climate: Four seasons, cold winters (snow), warm summers (85-95°F), 300+ days sunshine
- Altitude: 5,000 feet - lower than Colorado Springs, easier on respiratory system
- Outdoor recreation: Horsetooth Reservoir, Lory State Park, Rocky Mountain National Park (45 minutes), Cache la Poudre River
- College town: CSU football, vibrant downtown, breweries, cultural events
- Education: Colorado State University (excellent for GI Bill - 1,606 students, Yellow Ribbon)
- Crime: Low - one of safest cities in Colorado
Pros:
- Lower altitude than Colorado Springs (5,000 vs. 6,035 feet)
- College town atmosphere (CSU)
- Outstanding outdoor recreation (mountains, reservoir, river)
- Very safe (low crime)
- Strong economy (tech, healthcare, education)
- Excellent for student veterans (CSU Yellow Ribbon, 1,606 GI Bill students)
- Craft brewing culture
- Bike-friendly community
Cons:
- Expensive housing ($575K+ median)
- No VA CBOC (must drive to Aurora or Cheyenne, WY)
- Limited defense contractor jobs (not ideal for cleared veterans)
- Cold, snowy winters
- Smaller veteran community than Colorado Springs
- Competitive rental market (CSU students)
Bottom line: Fort Collins is perfect for student veterans attending CSU or veterans seeking quality of life, safety, and lower altitude. Not ideal if you need regular VA healthcare or defense contractor employment.
4. Denver - "Mile High City"
Overall Grade: B+
Why it ranks #4: Colorado's capital and largest city offers maximum job diversity, cultural amenities, and access to Rocky Mountain Regional VA. However, high cost of living ($585K-610K median home price) and urban challenges lower its ranking.
Veteran Population
- Denver County: 20,000+ veterans
- Denver metro: 100,000+ across metro area
- Concentration: Moderate - overshadowed by Colorado Springs
Housing Market
- Median home price: $585,000-$610,000 (highest in Colorado)
- Affordable neighborhoods: Far northeast Denver ($400K-500K), Montbello
- Expensive neighborhoods: Capitol Hill, Cherry Creek, Highlands ($700K-1.5M+)
- Rental market: $1,400-$2,200 for 2-bedroom
Cost of Living
- Overall index: 120+ (20% above national average)
- Housing: Significantly above national average
- Utilities: Moderate
- Transportation: Higher (parking costs, traffic)
- This is Colorado's most expensive major city
Employment Opportunities
Industries: Technology, healthcare, financial services, energy, aerospace, tourism
Major employers:
- Lockheed Martin - 14,000+ in Colorado (multiple Denver-area facilities)
- Raytheon, Boeing, Leidos - Defense contractors
- Charles Schwab - 3,000+ employees (Lone Tree)
- Arrow Electronics - Supply chain, IT
- Ball Aerospace - Satellite systems (Boulder, nearby)
- UCHealth, Kaiser Permanente, Centura Health - Major healthcare systems
- Comcast, DISH Network, Xcel Energy
- Amazon, Google (Boulder), Oracle (Broomfield)
Average salaries: $65,000-$130,000+ (highest in Colorado)
Why Denver employment is strong: Most diverse job market in Colorado - tech, finance, healthcare, defense, energy. Not dependent on defense contracts like Colorado Springs.
VA Healthcare Access
- Rocky Mountain Regional VA Medical Center: 1700 North Wheeling Street, Aurora, CO 80045 (adjacent to Denver)
- Distance: 15-30 minutes from most Denver neighborhoods
- Excellent access
Quality of Life
- Climate: 300 days of sunshine, cold winters, warm summers
- Altitude: 5,280 feet (exactly one mile high)
- Outdoor recreation: City parks, Cherry Creek Trail, 30 minutes to mountain skiing
- Sports: Denver Broncos (NFL), Denver Nuggets (NBA), Colorado Avalanche (NHL), Colorado Rockies (MLB)
- Culture: Denver Art Museum, Union Station, LoDo entertainment district, Red Rocks Amphitheatre
- Food/drink: Outstanding dining scene, 100+ breweries
- Education: University of Denver (unlimited Yellow Ribbon), University of Colorado Denver, Metro State
- Crime: Moderate to high in some areas - gentrification has shifted crime patterns
Pros:
- Most diverse job market in Colorado
- Highest salaries
- World-class cultural amenities (museums, sports, dining, music)
- Excellent VA access (Aurora VA)
- Denver International Airport (major hub)
- Good public transit (RTD light rail)
- University of Denver (unlimited Yellow Ribbon)
- 30 minutes to mountain skiing
Cons:
- Highest cost of living in Colorado ($585K-610K median home)
- High rental costs
- Traffic congestion
- Urban crime concerns
- Homeless population visible in downtown
- Altitude concerns (5,280 feet)
- Sprawling metro requires vehicle despite transit
Bottom line: Denver is ideal for veterans seeking maximum career opportunities, urban amenities, and cultural diversity who can afford high housing costs. Not ideal for veterans on fixed income or seeking military community.
5. Pueblo - "Steel City"
Overall Grade: B+
Why it ranks #5: Most affordable city on this list ($190,000 median home price), VA clinic access, and strong blue-collar community. Ideal for veterans on fixed income.
Veteran Population
- Pueblo County: Moderate to high veteran concentration
- Military connection: Historical (Colorado State Fair, Route 50 military highway)
Housing Market
- Median home price: $190,000 (most affordable in Colorado)
- Range: $150,000-$350,000
- Rental market: $900-$1,300 for 2-bedroom
- This is 70% cheaper than Denver
Cost of Living
- Overall: 83 (17% below national average)
- Housing: Significantly below national average
- Median household income: $55,305 (40% less than state average)
- Lower income but even lower costs - works for retirees on fixed income
Employment Opportunities
Major employers:
- Pueblo VA Clinic - Healthcare jobs
- St. Mary-Corwin Medical Center
- Parkview Medical Center
- Pueblo School District
- Colorado State University-Pueblo
- Evraz Rocky Mountain Steel - Manufacturing
- Vestas Wind Systems
Reality: Pueblo has fewer high-paying jobs than Colorado Springs or Denver. Works better for retirees than working veterans.
VA Healthcare Access
- Pueblo VA Clinic (PFC Floyd K. Lindstrom Clinic): 1125 South Prairie Avenue, Pueblo, CO 81005 | (719) 553-1080
- Services: Primary care, mental health, telehealth
- Rocky Mountain Regional VA: 120 miles north (2 hours) for complex care
- State Veterans Home (Florence): 35 miles west - Bruce McCandless VCLC
Quality of Life
- Climate: Hot summers (90-100°F), cold winters, 300 days sunshine
- Altitude: 4,695 feet - lower than Denver or Colorado Springs
- Outdoor recreation: Lake Pueblo State Park, Arkansas River, Historic Arkansas Riverwalk
- Culture: Colorado State Fair, Buell Children's Museum, Sangre de Cristo Arts Center
- Education: Colorado State University-Pueblo
- Crime: Higher than state average - research neighborhoods carefully
Pros:
- Most affordable housing in Colorado ($190K median)
- Low cost of living (17% below national average)
- VA clinic for primary care
- Lower altitude (4,695 feet - easier on respiratory system)
- Arkansas River recreation
- Small-city feel
- Bruce McCandless VCLC nearby (Florence)
Cons:
- Limited job opportunities (not ideal for working veterans)
- Higher crime than Colorado Springs/Fort Collins
- 120 miles from VA medical center (Aurora)
- Fewer amenities than larger cities
- Lower median income
- Hot summers
Bottom line: Pueblo is ideal for veterans on fixed income (retirees) who prioritize affordability over employment opportunities. Housing at $190K vs. $610K in Denver is game-changing for veterans with limited resources.
6. Boulder - "The People's Republic of Boulder"
Overall Grade: B
Why it ranks #6: World-class outdoor recreation, University of Colorado Boulder (unlimited Yellow Ribbon for dependents), but extremely expensive housing ($750K+ median).
Veteran Population
- Boulder County: Moderate veteran population
- CU Boulder: 1,000+ student veterans
- Culture: Liberal, environmentally focused (may not suit all veterans)
Housing Market
- Median home price: $750,000-$850,000 (second most expensive in Colorado)
- Rental market: $1,800-$2,800 for 2-bedroom
- Difficult for veterans on fixed income
Cost of Living
- Overall: 125+ (25% above national average)
- Housing: Extremely expensive
- This is Boulder's major barrier for most veterans
Employment Opportunities
Major employers:
- Ball Aerospace - 4,000+ employees (satellite systems)
- Lockheed Martin - Space systems
- University of Colorado Boulder - 6,000+ employees
- Google - Boulder office
- IBM, Oracle - Tech companies
- NCAR (National Center for Atmospheric Research)
Industries: Aerospace, technology, research, education, outdoor gear
VA Healthcare Access
- No VA clinic in Boulder
- Golden VA Clinic: 15 miles east, 1020 Johnson Road, Golden, CO 80401
- Rocky Mountain Regional VA: 30 miles, 45 minutes to Aurora
Quality of Life
- Climate: 300 days sunshine, cold winters, mild summers
- Altitude: 5,430 feet
- Outdoor recreation: Chautauqua Park, Boulder Creek Path, Flatirons hiking, world-class rock climbing
- College town: CU Boulder sports, Pearl Street Mall, vibrant downtown
- Education: University of Colorado Boulder (unlimited Yellow Ribbon for dependents, $5K/semester)
- Crime: Very low
Pros:
- Outstanding outdoor recreation (hiking, climbing, biking)
- CU Boulder Yellow Ribbon (unlimited slots for dependents)
- Ball Aerospace, Lockheed Martin (aerospace jobs)
- Very safe (low crime)
- College town culture
- Environmental consciousness
- Excellent schools
Cons:
- Extremely expensive ($750K-850K median home price)
- No VA clinic in Boulder (15 miles to Golden)
- Liberal political climate (may not suit all veterans)
- Parking challenges
- Competitive housing market
- High cost of living overall
Bottom line: Boulder is only viable for student veterans using GI Bill at CU Boulder or working veterans with high-paying aerospace/tech jobs. Beautiful city, but housing costs eliminate most veterans on fixed income.
7. Grand Junction - "Grand Valley"
Overall Grade: B
Why it ranks #7: VA medical center access, affordable housing, lower altitude, Western Slope lifestyle. Good for retirees seeking small-city feel.
Veteran Population
- Mesa County: Moderate veteran population
- Serves: Western Slope Colorado, eastern Utah
Housing Market
- Median home price: $390,000-$425,000
- More affordable than: Front Range cities
- More expensive than: Pueblo
Cost of Living
- Overall: 95 (5% below national average)
- Housing: Near national average
- Remote location keeps costs moderate
Employment Opportunities
Major employers:
- Grand Junction VA Medical Center
- St. Mary's Hospital
- Mesa County Valley School District
- City of Grand Junction
- Energy industry (oil, gas, renewables)
Challenge: Limited job market compared to Front Range cities. Works better for retirees.
VA Healthcare Access
- Grand Junction VA Medical Center: 2121 North Avenue, Grand Junction, CO 81501 | (970) 242-0731
- One of only two VA medical centers in Colorado
- Full medical and surgical services
- Critical advantage for veterans on Western Slope
Quality of Life
- Climate: Hot summers (90-100°F), mild winters, high desert
- Altitude: 4,586 feet - lowest altitude of major Colorado cities
- Outdoor recreation: Colorado National Monument, Grand Mesa, wine country
- Small-city feel: 65,000 population
- Crime: Moderate
Pros:
- VA medical center on-site
- Lowest altitude of major cities (4,586 feet - best for respiratory issues)
- Affordable housing compared to Front Range
- Western Slope lifestyle (less crowded)
- Wine country, Colorado National Monument
- Mild winters
Cons:
- Limited job opportunities
- Remote (250 miles from Denver)
- Hot summers
- Smaller city amenities
- Limited cultural attractions
Bottom line: Grand Junction is ideal for retirees seeking VA medical center access, affordability, and lowest altitude in Colorado. Not ideal for working veterans due to limited jobs.
8. Greeley - "Agriculture Hub"
Overall Grade: B-
Why it ranks #8: Affordable housing, University of Northern Colorado, proximity to Fort Collins and Denver, but limited veteran community.
Veteran Population
- Weld County: Moderate
- Less military focus than Colorado Springs
Housing Market
- Median home price: $425,000-$450,000
- More affordable than: Fort Collins, Boulder, Denver
Employment Opportunities
- Agriculture, oil/gas, University of Northern Colorado, healthcare
VA Healthcare Access
- No VA clinic - drive to Fort Collins Vet Center or Aurora VA
9. Longmont - "Boulder's Affordable Neighbor"
Overall Grade: B-
Why it ranks #9: More affordable than Boulder, tech jobs, outdoor access, but no VA clinic nearby.
Housing Market
- Median home price: $550,000-$575,000
- Cheaper than Boulder but still expensive
10. Loveland - "Sweetheart City"
Overall Grade: B-
Why it ranks #10: Art community, outdoor recreation, between Fort Collins and Denver, moderate housing costs.
Housing Market
- Median home price: $500,000-$525,000
Housing Market Analysis
Median Home Prices by City (2025)
| City | Median Price | Property Tax (no exemption) | Savings with 100% Exemption |
|---|---|---|---|
| Boulder | $750,000-850,000 | ~$275-310/year | ~$50-75/year |
| Denver | $585,000-610,000 | ~$215-230/year | ~$50-60/year |
| Fort Collins | $575,000-600,000 | ~$210-220/year | ~$50-60/year |
| Longmont | $550,000-575,000 | ~$200-210/year | ~$50/year |
| Loveland | $500,000-525,000 | ~$180-190/year | ~$40-50/year |
| Aurora | $500,000-525,000 | ~$185-195/year | ~$40-50/year |
| Colorado Springs | $470,000-488,000 | ~$145-150/year | ~$50-75/year |
| Greeley | $425,000-450,000 | ~$155-165/year | ~$40-50/year |
| Grand Junction | $390,000-425,000 | ~$140-155/year | ~$40/year |
| Pueblo | $190,000 | ~$70/year | ~$20-30/year |
Note: Colorado's residential assessment rate is very low (7.15%), which reduces both property taxes AND the exemption value. The 50% exemption on first $200K provides modest savings ($20-75/year) compared to states like Arizona.
Rental Market (2-bedroom apartment)
- Denver: $1,400-$2,200
- Boulder: $1,800-$2,800
- Fort Collins: $1,400-$1,900
- Colorado Springs: $1,200-$1,700
- Aurora: $1,300-$1,900
- Grand Junction: $1,100-$1,500
- Pueblo: $900-$1,300
Affordability Analysis
Most affordable:
- Pueblo ($190K median - 70% cheaper than Denver)
- Grand Junction ($390K-425K)
- Greeley ($425K-450K)
Best value (price vs. job market/quality of life):
- Colorado Springs ($470K-488K with exceptional job market)
- Aurora ($500K-525K with VA access and defense jobs)
- Fort Collins ($575K-600K with CSU and quality of life)
Least affordable:
- Boulder ($750K-850K)
- Denver ($585K-610K)
- Fort Collins ($575K-600K - expensive for city size)
Cost of Living Breakdown by City
Front Range Cities
Denver:
- Overall: 120 (20% above national average)
- Housing: 140+
- Highest in Colorado
Boulder:
- Overall: 125 (25% above national average)
- Housing: 150+
- Second highest in Colorado
Colorado Springs:
- Overall: 102 (2% above national average)
- Housing: 110
- 10% lower than Denver - major advantage
Fort Collins:
- Overall: 107 (7% above national average)
- Housing: 120+
Aurora:
- Overall: 115 (15% above national average)
- Housing: 130
Affordable Cities
Pueblo:
- Overall: 83 (17% below national average)
- Housing: 60 (40% below national average)
- Best affordability in Colorado
Grand Junction:
- Overall: 95 (5% below national average)
- Housing: 95 (near national average)
Climate and Altitude Considerations
Front Range Cities (5,000-6,000 feet)
Denver (5,280 feet), Colorado Springs (6,035 feet), Fort Collins (5,000 feet), Boulder (5,430 feet)
- Summers: Warm to hot (80-95°F), low humidity
- Winters: Cold (20-40°F), snow, dry
- Sunshine: 300 days/year
- Altitude concerns: Moderate - veterans with respiratory/cardiovascular conditions should consult doctors
Study finding: 45% of veterans experienced mild acute mountain sickness at 2,500m (~8,200 feet). Front Range cities at 5,000-6,000 feet are lower but still concerning for vulnerable veterans.
Western Slope (4,500-5,000 feet)
Grand Junction (4,586 feet), Pueblo (4,695 feet)
- Summers: Hot (90-100°F+)
- Winters: Milder than Front Range
- Lower altitude - better for respiratory issues
- Best choice for veterans with altitude concerns
Mountain Towns (7,000-10,000+ feet)
Avoid if you have respiratory or cardiovascular conditions:
- Breckenridge (9,600 feet)
- Vail (8,150 feet)
- Aspen (7,900 feet)
These elevations are dangerous for veterans with COPD, heart disease, or pulmonary hypertension.
Veteran Health Considerations
Altitude concerns for:
- COPD (Chronic Obstructive Pulmonary Disease)
- Cardiovascular disease
- Pulmonary hypertension
- Heart failure
- Sleep apnea
- Asthma
Research: Study of veterans exposed to 8,200 feet showed oxygen levels decreased and pulmonary artery pressure increased 43%. Most tolerated altitude well, but at-risk veterans struggled.
Recommendation: If you have respiratory or cardiovascular conditions, choose:
- Grand Junction (4,586 feet - lowest)
- Pueblo (4,695 feet)
- Consider Arizona or Texas instead (near sea level)
VA pulmonary medicine: Rocky Mountain Regional VA has specialized team for altitude-related complications.
Veteran Community Strength
Cities with Strongest Military Community
- Colorado Springs: 80,000 veterans, 111,000 active duty - unmatched
- Denver metro (Aurora, Denver): 100,000+ veterans (largest total)
- Fort Collins: 20,000+ veterans (CSU student veteran community)
- Pueblo: Moderate veteran population
VFW and American Legion Posts
Most posts: Colorado Springs (15+ posts), Denver metro (20+ posts)
Veterans Day events: Major parades in Colorado Springs, Denver, Fort Collins
Military Installations
Colorado Springs area:
- Fort Carson (Army)
- Peterson Space Force Base
- Schriever Space Force Base
- Cheyenne Mountain Space Force Station
- U.S. Air Force Academy
Denver area:
- Buckley Space Force Base (Aurora)
- Former Fitzsimons Army Medical Center (now VA)
Quality of Life Factors
Outdoor Recreation
Best outdoor recreation:
- Colorado Springs: Pikes Peak, Garden of the Gods, Manitou Springs
- Boulder: Flatirons, Chautauqua, rock climbing mecca
- Fort Collins: Horsetooth Reservoir, Cache la Poudre River, Rocky Mountain National Park
- Denver: City parks, 30 minutes to mountain skiing
Best for skiing: Denver/Boulder (closest to I-70 ski resorts)
Best for hiking: Colorado Springs, Boulder, Fort Collins (all exceptional)
Culture and Entertainment
Best food scenes: Denver (James Beard restaurants), Boulder (farm-to-table), Colorado Springs (diverse options) Best breweries: Denver (100+ breweries), Fort Collins (New Belgium, Odell), Colorado Springs Best arts/culture: Denver (museums, symphony, opera), Boulder (CU culture) Best sports: Denver (Broncos, Nuggets, Avalanche, Rockies - all four major leagues)
Education (for families)
Best school districts:
- Cherry Creek (Denver metro)
- Douglas County
- Boulder Valley
- Academy District 20 (Colorado Springs)
Best universities for veterans:
- CU Boulder (unlimited Yellow Ribbon for dependents)
- Colorado State (Yellow Ribbon, 1,606 GI Bill students)
- University of Denver (unlimited Yellow Ribbon)
Healthcare Access
Best VA access:
- Aurora (on-site VA medical center)
- Colorado Springs (3 VA clinics)
- Grand Junction (VA medical center)
Best overall healthcare:
- Denver (UCHealth, Kaiser, multiple major hospitals)
- Aurora (CU Hospital, Children's Hospital)
- Colorado Springs (UCHealth Memorial, Penrose-St. Francis)
Decision Matrix: Which City is Right for You?
Choose Colorado Springs if:
- You want strongest military community in Colorado
- You need defense contractor jobs (250+ companies, 14,000+ Lockheed Martin)
- You want veteran-focused culture (80,000 vets, 111,000 active duty)
- You can afford $470K-488K housing
- You can handle 6,035-foot altitude
- You want three VA clinics for healthcare access
Choose Aurora if:
- VA healthcare access is critical (on-site medical center)
- You work for defense contractor (Raytheon, Boeing, Lockheed)
- You want access to Denver jobs without downtown costs
- You need state veterans home (aging parent or future planning)
- You can afford $500K-525K housing
Choose Fort Collins if:
- You're a student veteran attending CSU (1,606 GI Bill students)
- You want college town atmosphere
- You prioritize outdoor recreation and safety
- You can afford $575K-600K housing
- You don't need regular VA care (no local CBOC)
Choose Denver if:
- You want maximum job diversity (tech, finance, healthcare, defense)
- You need urban amenities and culture
- You want four major sports teams
- You can afford $585K-610K housing (most expensive)
- You prioritize career advancement over affordability
Choose Pueblo if:
- Affordability is priority #1 ($190K vs. $610K in Denver)
- You're retired on fixed income
- You can drive 120 miles to Aurora VA when needed
- You want lower altitude (4,695 feet)
- You prefer small-city lifestyle
Choose Boulder if:
- You're a dependent using CU Boulder Yellow Ribbon
- You work in aerospace (Ball Aerospace, Lockheed)
- You love outdoor recreation (hiking, climbing)
- You can afford $750K-850K housing (second most expensive)
Choose Grand Junction if:
- You want VA medical center access on Western Slope
- You need lowest altitude (4,586 feet - best for respiratory issues)
- You're retired seeking affordability and mild climate
- You prefer Western Slope lifestyle (less crowded)
Key Takeaways
- Colorado Springs ranks #5 nationally - Best overall for veterans in Colorado (80,000 vets, 250+ defense contractors, 3 VA clinics)
- Aurora offers best VA access - On-site medical center and state veterans home
- Pueblo offers best affordability - $190K median (70% cheaper than Denver)
- Denver provides maximum job diversity - But costs 20%+ above national average
- Altitude matters - Consult doctor if you have respiratory/cardiovascular conditions (Grand Junction lowest at 4,586 feet)
- Defense contractors cluster in Colorado Springs - 14,000+ Lockheed Martin employees
Colorado's real value:
- Outstanding outdoor recreation (mountains, skiing, hiking)
- Four-season climate (300 days sunshine)
- Strong military community (especially Colorado Springs)
- Defense contractor job market
- Legal cannabis (VA won't prescribe but won't penalize)
Colorado's challenges:
- High cost of living (Denver $585K-610K median home)
- Altitude health concerns (5,000-7,000 feet)
- Modest tax benefits (not like Arizona or Texas)
- Cold, snowy winters
Choose Colorado for: Mountains, outdoor lifestyle, defense jobs, military community, four seasons
Don't choose Colorado for: Affordability (except Pueblo), tax savings, warm winters, sea-level living
The best city for you depends on your priorities: military community (Colorado Springs), VA access (Aurora), affordability (Pueblo), education (Fort Collins/Boulder), or career advancement (Denver).
Additional Resources
- Colorado Division of Veterans Affairs: (303) 284-6077 | vets.colorado.gov
- Housing market data: Zillow.com/CO, Redfin.com/state/Colorado
- Cost of living calculators: BestPlaces.net
- VA facility locator: VA.gov/find-locations
- WalletHub Best Cities for Veterans: wallethub.com/edu/best-and-worst-cities-for-veterans/8156
- Colorado Workforce Services: connectingcolorado.com
Information current as of January 2025. Housing prices and market conditions change frequently - verify current prices before making decisions. Consult your VA provider about altitude concerns before relocating to Colorado.