Affordable Living in Fort Collins: Tips and Tricks for Saving Money in the City

fort collins

Fort Collins, Colorado, nestled against the backdrop of the Rocky Mountains, is not only known for its stunning scenery and outdoor recreational opportunities but also for its vibrant community and quality of life.

However, like many cities, living in Fort Collins can come with its financial challenges. From housing costs to everyday expenses, residents may find themselves looking for ways to save money without sacrificing their quality of life.

In this guide, we’ll explore various tips and tricks for affordable living in Fort Collins, helping you navigate the city’s expenses while enjoying all it has to offer.


Finding affordable housing is often a top priority for residents of Fort Collins. With a growing population and a competitive real estate market, securing a place to live within budget can be challenging. However, there are strategies you can employ to save money on housing:

Explore Different Neighborhoods

While certain neighborhoods may be more trendy, they often come with higher price tags. Researching and exploring less expensive areas can lead to significant savings on rent or mortgage payments. Consider factors such as location, accessibility to public transportation, and safety when determining which neighborhood best fits your budget.

Negotiate Rent

If you’re renting a property, don’t be afraid to negotiate with the landlord. You can offer to sign a longer lease in exchange for a lower monthly rent or ask for certain amenities, like parking or utilities, to be included in the rent price. It never hurts to ask and you may end up saving hundreds of dollars throughout your lease.

Consider Shared Housing Options

Shared housing is a great way to save money if you are considering living in Fort Collins. This could include living with family members or friends who are willing to split costs with you.

Another option is co-living communities where individuals share common spaces and amenities while still having their private bedrooms. This can be a great way to live in expensive neighborhoods without breaking the bank.

Look for Affordable Housing Programs

Fort Collins offers various affordable housing programs and initiatives aimed at assisting low to moderate-income individuals and families. These programs may provide rental assistance, subsidized housing, or down payment assistance for first-time homebuyers to keep a frugal lifestyle in the city.


Getting around Fort Collins without spending much is feasible with planning.

Utilize Public Transportation

Transport operates the city’s public transit. It offers affordable bus services in Fort Collins and the surrounding areas. Consider using buses as your primary mode of transportation to save on fuel and parking costs.

Bike or Walk

Fort Collins is a bike-friendly city with numerous bike lanes and trails. Opting to bike or walk instead of driving not only saves money on transportation but also promotes a healthy lifestyle. Plus, you’ll get to enjoy the picturesque views of the city while getting around.

Ride Sharing Services

Fort Collins also offers ride-sharing services such as Uber and Lyft. These services provide a convenient alternative to driving yourself, especially if you’re heading out for a night on the town. With just a few taps on your phone, you can easily request a ride to your destination at competitive rates.


If you must drive, consider carpooling with coworkers, friends, or neighbors to share fuel and parking expenses. Websites and apps like Zimride and CarpoolWorld can help you find carpooling opportunities in Fort Collins.


Keeping utility costs low can significantly impact your monthly expenses. Here are some tips for saving on utilities in Fort Collins:

Energy-Efficient Appliances

Investing in energy-efficient appliances can lead to long-term savings on electricity and water bills. Look for appliances with the Energy Star label when shopping for new household items.


Fort Collins experiences varying weather conditions throughout the year, from hot summers to cold winters. Proper insulation, weatherstripping, and sealing drafts can help regulate indoor temperatures and reduce heating and cooling costs. Consider consulting a professional for weatherproofing services or DIY with resources from the City of Fort Collins’ website.

Water Conservation

Fort Collins is committed to sustainability and offers various programs and incentives for water conservation. Taking shorter showers, fixing leaks quickly, and using drought-resistant landscaping are just some ways to save water. They also reduce your monthly bill.

Solar Panels

Consider installing solar panels on your property to harness renewable energy and lower your electricity bills. Be sure to consult with great solar panel installers in Fort Collins. They can assess if your home is suitable for solar energy and offer affordable installation options.

Entertainment and Dining

Enjoying the vibrant cultural scene and culinary delights of Fort Collins doesn’t have to break the bank. Here’s how to indulge in entertainment and dining while staying on budget:

Happy Hours and Specials

Take advantage of happy hour deals and weekly specials offered by restaurants and bars throughout the city. Many places in Fort Collins offer discounted food and drinks during specific hours. This makes dining out more affordable.

Free Events and Activities

Keep an eye out for free events, concerts, and festivals happening in Fort Collins year-round. From outdoor movie nights to art walks, there are plenty of opportunities to enjoy entertainment without spending a dime. You can also check out the local farmers’ market for some free samples and live music.

Food Trucks

Food trucks have become a popular trend in Fort Collins, offering a variety of delicious and affordable dishes while still saving money. Follow your favorite food truck on social media to find out where they’ll be parked next. Or, go to one of the many food truck festivals held each year.

Cook at Home

Dining out can quickly add up, so consider cooking at home more often. Shop at local farmers’ markets for fresh, low-cost ingredients. Then, try new recipes to make your favorite restaurant dishes.

Consider Living in Fort Collins Today

Living in Fort Collins gives you a mix of natural beauty, cultural spots, and a strong community vibe. Want to enjoy all the city has to offer without overspending?

You can score affordable housing. You can cut transport and utility costs. There are many ways to live comfortably and within your means. Whether you’re a local or thinking of moving here, keep these ideas handy for a great time in Fort Collins!

Don’t stop here! Continue browsing through our variety of articles covering a wide range of topics on our blog.

Written by Mia

Hey Everyone! This is Mia Shannon from Taxes. I'm 28 years old a professional blogger and writer. I've been blogging and writing for 10 years. Here I talk about various topics such as Fashion, Beauty, Health & Fitness, Lifestyle, and Home Hacks, etc. Read my latest stories.

What do you think?

gun stances

Understanding the Importance of Proper Gun Stances for Self-Defense


A Comprehensive Guide to What Commercial Junk Removal Services Can Remove for You