Moving guide · Ontario → Colorado

Moving from Toronto to Denver

A sunny city base for mountain weekends. Here's how life in Denver compares with Toronto, and what changes when you cross the border.

Weather
January average
-5°C → 0°C (+5°)
July average
22°C → 24°C (+2°)
Sunny days a year
200 → 245
Snow a year
120 → 140 cm
Money (approximate)
Cost of living index
125 → 110
Typical home
C$1,050,000 → US$600,000
Property tax rate
0.7% → 0.55%
Provincial or state income tax
Medium → Low
Health care in Denver
Private, ~US$520/mo (approx.)
Getting around in Denver
Airport
35 min
Ski hill
1h 30m
Beach or lake
30 min
Main industries
Aerospace, tech, energy
Lifestyle and risks
You gain
SkiingHikingRemote-work hub
You leave behind
NightlifeFood sceneLive music
Wildfire: Moderate Flood: Low Heat: Low
Crossing the border

Moving from Canada to the USA

Staying vs. moving
As a visitor you can usually spend up to about 6 months a year in the US. Living or working there full time needs a visa or green card (TN, E-2, L-1, H-1B and others).
Mortgages
US lenders often want a larger down payment from Canadians and may need an ITIN or US credit. Some Canadian banks have US arms that use your Canadian credit history.
Taxes
Plan for both countries: US property tax, state income tax, and Canadian departure-tax rules if you become a non-resident. Selling later can trigger US withholding (FIRPTA).
Health care
Provincial coverage usually ends after a long absence. Budget for US health insurance from day one.
General information, not legal or tax advice. Rules change; confirm your situation with a licensed immigration lawyer and cross-border tax adviser.
Step-by-step: Canada → USA ›Legal must-dos ›Moving FAQ ›
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Climate, cost and risk figures are approximate and for comparison only. Prices are in each place's local currency.

Moving from Toronto to Denver · Pinned