Oak Creek, CO vs Pagosa Springs, CO

Pagosa Springs is moderately more affordable than Oak Creek, with a 5.1% lower cost of living index. Oak Creek scores 102 compared to 97 for Pagosa Springs, where the US average is 100. This difference means residents of Oak Creek can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Oak Creek is $1,167/month compared to $1,068/month in Pagosa Springs — a 9% difference. Home values follow the same pattern: Pagosa Springs is more affordable at $353,800 median vs $377,400.

Median household income in Oak Creek is $88,512 compared to $36,712 in Pagosa Springs (+141.1%). While Oak Creek is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Oak Creek spend roughly 15.8% of their income on rent, less than the 34.9% in Pagosa Springs. The Oak Creek ratio exceeds the commonly recommended 30% threshold, which can put pressure on household budgets.