Quick answer
🔴 Not comfortably on a single income. A firefighter in Denver earns roughly $64,527/yr (~$3,761/mo take-home) and a 1BR costs $1,740/mo — that's 46% of take-home on rent. The standard is 30% or less.
CO · 2026
Can a Firefighter Afford to Live in Denver?
Using local salary estimates and Denver's actual cost of living — rent, taxes, utilities, and groceries — here's the real monthly picture for a firefighter in Denver, CO in 2026.
Monthly Budget Breakdown
Gross monthly salary
$64,527/yr local estimate
$5,377
Taxes (federal + state + FICA)
4.4% state income tax
-$1,616
Monthly take-home
After all taxes
$3,761
1BR rent
46% of take-home
-$1,740
Utilities
Electric, gas, internet avg
-$145
Groceries
Single-person estimate
-$370
Transport
Car or transit average
-$350
Left for everything else
Dining, clothing, fun, savings
$1,156
At a 40% savings rate on discretionary income, a firefighter in Denver could save roughly $5,544/year after covering all essentials.
What Does 46% Rent Burden Mean?
The standard rule of thumb is to spend no more than 30% of gross income on rent. At 46% of take-home pay, a firefighter in Denver is in difficult territory. Most financial advisors recommend finding a roommate, considering a cheaper area, or targeting salary growth before renting solo here.
These numbers use a local salary estimate of $64,527/yr — adjusted from the national Firefighter median of $56,320/yr based on Denver's cost of living index. Actual salaries vary by employer, experience, and specialization.
Best Neighborhoods in Denver for a Firefighter
Based on walkability, rent levels, and quality of life — not just lowest price.
Capitol Hill
Densest and most walkable neighborhood in Denver. Mix of apartment buildings, Victorian mansions, and Colfax Ave energy. Best value per square foot for renters who want walkability. Expect $1,600–2,000/mo for a 1BR.
RiNo (River North)
Brewery district in converted warehouses. Gentrification is complete — rents reflect it. Expect $1,900–2,400/mo for a 1BR. Still worth living in if you can afford it; the food and drink density is excellent.
Washington Park
Where people settle when they're done being trendy. Park-centric, bungalows, young families, good coffee, farmer's market Saturdays. Pricey but the lifestyle quality is legitimate.
Frequently Asked Questions
What is the average salary for a Firefighter in Denver?
A Firefighter in Denver earns approximately $64,527 per year, based on the national BLS median of $56,320/yr adjusted for Denver's cost of living. Actual pay varies by employer, experience, and specialization.
Is Denver affordable for a firefighter in 2026?
Not comfortably as a solo renter. Rent takes 46% of take-home pay. A roommate arrangement would make Denver more feasible on a firefighter salary.
How much take-home pay does a Firefighter get in Denver?
After federal taxes, 4.4% state income tax, and FICA, a Firefighter earning $64,527/yr takes home roughly $3,761/month in Denver.
What is the rent-to-income ratio for a Firefighter in Denver?
A 1-bedroom apartment in Denver costs a median of $1,740/month. On a Firefighter salary, that's 46% of monthly take-home pay. Financial experts recommend keeping this below 30%.