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Denver-Aurora-Centennial, CO

Cost of living in Gilpin County, CO

Part of the Denver Metro Area

Estimated monthly cost
$4,048/mo
for a single person, all categories combined

Population 5,877 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,789 44%
Federal tax $748 18%
Healthcare $480 12%
Groceries $359 9%
Transport $250 6%
State tax $204 5%
Energy $158 4%
Water $60 1%

Rent in Gilpin County

Fair Market Rents by bedroom count.

Studio
$1,639
per month
1 bedroom
$1,789
per month
2 bedroom
$2,140
per month
3 bedroom
$2,794
per month
4 bedroom
$3,127
per month

Source: HUD FMR FY2025

Income and earnings in Gilpin County

Annual earnings figures from the Census ACS.

Household income
$88,654
per year
Individual earnings
$55,763
per year
Per capita
$58,842
per year

Source: ACS 2019-2023 5-Year.

Home values in Gilpin County

Average values reported by homeowners.

Average home value
$512,600
Annual property tax
$1,177

Source: ACS 2019-2023 5-Year

Energy costs in Gilpin County

Estimated monthly electricity and gas costs.

Electricity
$106
per month · 15.2¢/kWh
Natural gas
$52
per month
Annual total
$1,896
per year

Source: EIA

Healthcare in Gilpin County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
7.4%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Gilpin County

State and local tax rates for Colorado.

State income tax
4.4%
Flat rate
State sales tax
2.9%
Combined sales tax
7.8%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Gilpin County

Commute patterns and estimated costs.

Average commute
34.9 min
Drive alone
69.8%
Public transit
2.6%
Work from home
14.6%

Source: ACS

Monthly cost estimates for Gilpin County

What it costs to live in Gilpin County each month.

Single person
$4,048
per month
  • Rent $1,789
  • Energy $158
  • Water $60
  • Groceries $359
  • Transport $250
  • Healthcare $480
  • Federal tax $748
  • State tax $204
Couple
$5,655
per month
  • Rent $2,140
  • Energy $190
  • Water $70
  • Groceries $595
  • Transport $350
  • Healthcare $864
  • Federal tax $1,121
  • State tax $325
Family
$8,465
per month
  • Rent $2,794
  • Energy $237
  • Water $85
  • Groceries $903
  • Transport $450
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,121
  • State tax $325

Frequently asked questions about Gilpin County

Common questions about cost of living, rent and salary.

What is the average rent in Gilpin County?

In Gilpin County, CO, a one-bedroom apartment averages $1,789 per month, a two-bedroom averages $2,140 per month, a three-bedroom averages $2,794 per month, according to HUD Fair Market Rent data.

What is the average salary in Gilpin County?

In Gilpin County, CO, the average household income is $88,654 per year and individual earnings for full-time workers average $55,763 per year, according to U.S. Census Bureau data.

What is the cost of living in Gilpin County?

The estimated cost of living in Gilpin County, CO is approximately $4,048 per month for a single person, $5,655 for a couple, $8,465 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Gilpin County?

The combined sales tax rate in Gilpin County, CO is 7.77%, which includes the Colorado state rate of 2.90% plus an average local rate of 4.87%.

Is Gilpin County an affordable place to live?

Based on the data, a single person in Gilpin County, CO would need approximately $4,048 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $88,654 per year ($7,388 per month). Gilpin County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Gilpin County?

The ACA marketplace benchmark premium in Gilpin County, CO is approximately $480 per month for an individual. Approximately 7.4% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Gilpin County?

The average home value in Gilpin County, CO is $512,600, with average annual property taxes of $1,177, according to U.S. Census Bureau data.

How does Gilpin County compare to other areas?

You can compare Gilpin County, CO with any other US county using our comparison tool at /compare. Gilpin County is in the Denver-Aurora-Centennial, CO metro area.

Other counties in Colorado

Browse the full list of counties in Colorado, ranked by cost of living.

See all counties in Colorado

Compare Gilpin County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources