Silver Cliff, CO vs Wray, CO

Wray is moderately more affordable than Silver Cliff, with a 8.3% lower cost of living index. Silver Cliff scores 87 compared to 80 for Wray, where the US average is 100. This difference means residents of Silver Cliff can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Silver Cliff is $979/month compared to $909/month in Wray — a 8% difference. Home values follow the same pattern: Wray is more affordable at $205,900 median vs $261,100.

Median household income in Silver Cliff is $32,083 compared to $57,318 in Wray (-44%). Wray offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of Silver Cliff spend roughly 36.6% of their income on rent, more than the 19% in Wray. The Wray ratio exceeds the commonly recommended 30% threshold, which can put pressure on household budgets.