Fort Collins-Loveland Waterbury-Shelton

Relocation analysis based on 7 federal data sources

Verdict
Favorable
Cost Index: 101.1 → 99.8
Rent Delta: +$56/mo

Pros of Moving

  • + Lower violent crime rate
  • + Better student-teacher ratios
  • + Fewer environmental violations

Cons of Moving

  • - $56/mo more expensive rent (2BR)
  • - More expensive childcare

Moving from Fort Collins-Loveland to Waterbury-Shelton shifts your BEA Regional Price Parity from 101.1 to 99.8 (100 = US average), so a Fort Collins-Loveland salary needs to be multiplied by 0.99 to hold the same purchasing power in Waterbury-Shelton. On rent, HUD Fair Market Rent for a 2-bedroom goes from $1,732/month in Fort Collins-Loveland to $1,788/month in Waterbury-Shelton - a higher monthly bill of $56, or $672/year. That rent delta alone is often the single biggest line item when relocating.

Wages tell the other half. BLS Occupational Employment and Wage Statistics report a median salary of $73,292 in Fort Collins-Loveland versus $72,471 in Waterbury-Shelton - a raw gap of $821 lower. The Waterbury-Shelton labor market has 153,560 tracked jobs against 149,520 in Fort Collins-Loveland, shaping how easy it is to find a comparable role. Combine that with the cost-of-living shift above and you get the real purchasing-power delta, sometimes a "higher salary" is actually a pay cut once rent and RPP are applied.

Safety, schools, and childcare round out the move. FBI UCR violent crime rates near Fort Collins-Loveland and Waterbury-Shelton are 481 and 139 per 100,000 (state-level). NCES student-teacher ratios run 16.6:1 at origin versus 12.1:1 at destination. DOL center-based infant care costs $12,821/year in Fort Collins-Loveland versus $17,127/year in Waterbury-Shelton. Our composite verdict - Favorable - weighs all seven federal sources; the dimension table below lets you override that with your personal priorities.

Dimension
Fort Collins-Loveland
Waterbury-Shelton
Winner
💰 Cost of Living
RPP 101.1
RPP 99.8
Waterbury-Shelton
🏠 Rent (2BR)
$1,732/mo
$1,788/mo
Fort Collins-Loveland
💼 Wages
$73,292
$72,471
Fort Collins-Loveland
🔒 Crime
481 per 100K
139 per 100K
Waterbury-Shelton
🎓 Schools
16.6:1
12.1:1
Waterbury-Shelton
👶 Childcare
$12,821/yr
$17,127/yr
Fort Collins-Loveland
🌿 Environment
5332 violations
749 violations
Waterbury-Shelton

Salary Adjustment Calculator

Enter your current salary in Fort Collins-Loveland to see what you'd need to earn in Waterbury-Shelton to maintain the same purchasing power.

Equivalent salary in Waterbury-Shelton
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Frequently Asked Questions

Is Waterbury-Shelton more expensive than Fort Collins-Loveland?
Waterbury-Shelton has an RPP of 99.8 compared to Fort Collins-Loveland's 101.1 (100 = national average). Fort Collins-Loveland is more expensive overall. The 2BR rent in Waterbury-Shelton is $1,788/mo vs $1,732/mo in Fort Collins-Loveland.
What are salaries like in Waterbury-Shelton compared to Fort Collins-Loveland?
The median salary in Waterbury-Shelton is $72,471 compared to $73,292 in Fort Collins-Loveland. That's a -$821 difference.
Is Waterbury-Shelton safer than Fort Collins-Loveland?
The violent crime rate near Waterbury-Shelton is 139 per 100K vs 481 per 100K near Fort Collins-Loveland (state-level data). Waterbury-Shelton has a lower crime rate.
How much would I need to earn in Waterbury-Shelton to match my Fort Collins-Loveland salary?
To maintain the same purchasing power, multiply your Fort Collins-Loveland salary by 0.99. For example, a $75,000 salary in Fort Collins-Loveland would need to be $73,999 in Waterbury-Shelton. Use the salary calculator above for your exact figure.
What does the "Favorable" verdict mean?
The verdict is computed from 7 dimensions, cost of living, rent, wages, crime, schools, childcare, and environment, using federal data. "Favorable" means the destination edges ahead on balance. Individual priorities may shift the balance, weigh the dimensions that matter most to you.

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Source: BEA Regional Price Parities, HUD Fair Market Rents, BLS OES, FBI UCR, NCES, DOL, EPA June 2026

Data Sources

  • Cost of Living: Bureau of Economic Analysis (BEA) Regional Price Parities
  • Rent: HUD Fair Market Rents (FMR)
  • Wages: Bureau of Labor Statistics (BLS) Occupational Employment and Wage Statistics (OES)
  • Crime: FBI Uniform Crime Reporting (UCR) - state level
  • Schools: National Center for Education Statistics (NCES)
  • Childcare: Department of Labor (DOL) - state level
  • Environment: Environmental Protection Agency (EPA)