Gym / Fitness Studio Startup Costs: Denver, CO vs Jacksonville, FL (2026)
Side-by-side comparison of one-time expenses, monthly costs, and first-year budget adjusted for local cost of living.
Opening a gym / fitness studio in Jacksonville saves approximately $20,208 (14.3%) compared to Denver in 2026, with first-year costs of $121,248 vs $141,456.
First-Year Savings
Jacksonville saves $20,208 (14.3%) for a Gym / Fitness Studio
$141,456 in Denver vs $121,248 in Jacksonville
Denver, CO
$141,456
First-year total (mid)
COL index: 112.0
Jacksonville, FL
$121,248
First-year total (mid)
COL index: 96.0
First-Year Budget Comparison
Mid-range estimates for gym / fitness studio startup
| Category | Denver | Jacksonville | Diff |
|---|---|---|---|
| One-Time Costs | $62,160 | $53,280 | +$8,880 |
| Monthly Costs x 12 | $79,296 | $67,968 | +$11,328 |
| Total First Year | $141,456 | $121,248 | +$20,208 |
One-Time Startup Costs
Upfront investment comparison (mid estimates)
| Expense | Denver | Jacksonville | Diff |
|---|---|---|---|
| Equipment | $33,600 | $28,800 | +$4,800 |
| Licenses | $1,680 | $1,440 | +$240 |
| Renovations | $22,400 | $19,200 | +$3,200 |
| Software/App | $2,240 | $1,920 | +$320 |
| Sound System | $2,240 | $1,920 | +$320 |
| Total One-Time | $62,160 | $53,280 | +$8,880 |
Monthly Operating Costs
Recurring expense comparison (mid estimates)
| Expense | Denver/mo | Jacksonville/mo | Diff |
|---|---|---|---|
| Equipment Maintenance | $560 | $480 | +$80 |
| Insurance | $672 | $576 | +$96 |
| Rent | $4,480 | $3,840 | +$640 |
| Utilities | $896 | $768 | +$128 |
| Total Monthly | $6,608 | $5,664 | +$944 |
City Business Profiles
Denver, CO
Denver's COL index of 112 reflects its transformation from a regional hub to a national tech and outdoor lifestyle destination, with significant wage and rent appreciation since 2015.
aerospace & defense, cannabis industry, technology
Colorado's FAMLI paid family leave program (launched 2024) adds to employer overhead; Denver businesses compete with Boulder and Fort Collins for the same workforce.
Jacksonville, FL
Jacksonville has a COL index of 96 with Florida's minimal employer taxes — the largest city by land area in the continental US has significant room for expansion and development.
financial services, defense & military, healthcare
Jacksonville's military presence creates a large retiring military workforce seeking civilian employment in logistics, management, and technical roles.
What This Means for Your Gym / Fitness Studio
Denver has a cost of living index of 112.0 while Jacksonville sits at 96.0 (national average = 100). This means every expense — rent, equipment, supplies, insurance — costs proportionally more in the higher-indexed city.
Over the first year, opening a gym / fitness studio in Jacksonville saves an estimated $20,208 (14.3%) compared to Denver. The monthly operating cost difference alone accounts for $11,328 of that gap over 12 months.
These estimates use national average startup costs for a gym / fitness studio, adjusted by each city's cost of living factor. Actual costs vary based on your specific location, size of operation, and current market conditions. Use the interactive Startup Cost Calculator to customize expenses for your situation.
Explore Each City
Compare Other Business Types: Denver vs Jacksonville
Tools to Launch Your Business in Denver and Jacksonville
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Simple invoicing and expense tracking built for small business owners.
Bookkeeping service so you can focus on building your business, not spreadsheets.
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