Arizona vs Montana Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$67,996
in Arizona
$77,479
in Montana
Each cell = 1% of purchasing power. Green = value, red = gap.
Spending breakdown
Estimated annual spending on a $75,000 salary
What things actually cost
Real dollar costs side by side
Category breakdown
| Category | Arizona | Montana | Difference |
|---|---|---|---|
| Housing | 127.3 | 94.4 | +35% |
| Groceries | 101.9 | 101.6 | 0% |
| Utilities | 104.0 | 81.5 | +28% |
| Transportation | 102.1 | 99.5 | +3% |
| Healthcare | 93.4 | 106.5 | -12% |
| Dining & Misc | 105.2 | 98.6 | +7% |
| Overall | 110.3 | 96.8 | +14% |
Index values relative to national average (100). Positive difference = more expensive in Arizona.
What things actually cost
| Item | Arizona | Montana | Difference |
|---|---|---|---|
| Median home price | $395,000 | $410,000 | $15,000 |
| Average 2BR rent | $1,782/mo | $1,322/mo | +$460 |
| Gas price | $3.97/gal | $3.19/gal | +$0.78 |
| Electric bill | $113/mo | $96/mo | +$17 |
| Infant childcare | $15,625/yr | $12,778/yr | +$2,847 |
Salary equivalent: Arizona → Montana
What a Arizona salary buys you in Montana, adjusted for cost of living.
| Salary in Arizona | Equivalent in Montana | Difference |
|---|---|---|
| $50,000 | $43,880 | +$6,120 |
| $75,000 | $65,820 | +$9,180 |
| $100,000 | $87,761 | +$12,239 |
| $150,000 | $131,641 | +$18,359 |
| $200,000 | $175,521 | +$24,479 |
Positive = your money goes further in Montana. Based on overall COL index ratio.
Based on MERIC/C2ER 2025 composite indices. Dollar amounts from AAA, EIA, Zillow, and Child Care Aware.
Overview
Arizona is 14% more expensive than Montana overall. Arizona has an index of 110.3 vs 96.8 for Montana (national average = 100).
FAQ
Is it cheaper to live in Arizona or Montana?
Montana is cheaper to live in. Arizona is 14% more expensive overall. The biggest driver is housing — median home prices are $395,000 in Arizona vs $410,000 in Montana.
Is Montana cheaper than Arizona?
Yes, Montana is 14% cheaper than Arizona overall based on the MERIC/C2ER cost-of-living index. Housing, groceries, and utilities all factor into the difference.
Is Arizona more expensive than Montana?
Yes, Arizona is 14% more expensive than Montana based on the MERIC/C2ER composite index. Housing is typically the largest factor in the difference.
What salary in Montana equals $100,000 in Arizona?
To maintain the same purchasing power as a $100,000 salary in Arizona, you would need approximately $87,761 in Montana. This is based on the overall cost-of-living index (110.3 vs 96.8).
How do housing costs compare between Arizona and Montana?
Housing is significantly cheaper in Arizona. Median home prices are $395,000 in Arizona vs $410,000 in Montana — a $15,000 difference. Average 2-bedroom rent is $1,782/mo vs $1,322/mo.
What costs more in Arizona vs Montana?
Housing is 35% higher in Arizona (index 127.3 vs 94.4). Utilities is 28% higher in Arizona (index 104 vs 81.5). Healthcare is 12% lower in Arizona (index 93.4 vs 106.5).
Is gas cheaper in Arizona or Montana?
Gas averages $3.97/gallon in Arizona and $3.19/gallon in Montana — a $0.78 difference per gallon.
Arizona vs Montana cost of living — how do they compare?
Arizona has an overall cost-of-living index of 110.3 and Montana has 96.8 (national average = 100). Arizona is 14% more expensive overall. Use the calculator above to see how this affects your specific salary.
How do taxes compare between Arizona and Montana?
Cost of living is only part of the picture — state income taxes also affect your take-home pay. Arizona has a flat income tax rate of 2.50%, reduced from a progressive system in 2023. Montana has a progressive income tax with rates of 4.70% and 5.65% for 2026, and no state sales tax. Use the Arizona vs Montana paycheck comparison to see how a specific salary compares after federal and state taxes, FICA, and deductions.
Do I need to file state tax returns in Arizona and Montana?
Arizona requires residents to file a state income tax return annually, typically due April 15. Montana requires residents to file a state income tax return annually, typically due April 15. If you move between states mid-year, you typically file a part-year resident return in each state for the income earned while living there.
Where does this cost of living data come from?
Cost-of-living indices are from the MERIC/C2ER 2025 Annual Average. Dollar amounts use AAA gas prices (March 2025), EIA electricity rates (2024), Child Care Aware childcare costs (2024), Zillow home values (2024-2025), and BEA Regional Price Parities.
Related tools
- Arizona Cost of Living — Housing, groceries, gas, and more
- Montana Cost of Living — Housing, groceries, gas, and more
- Arizona vs Montana Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in Arizona — How much house can you afford?
- House Affordability in Montana — How much house can you afford?
- Arizona Tax Brackets — See 2026 marginal rates
- Montana Tax Brackets — See 2026 marginal rates
- Arizona Mortgage Calculator — Estimate monthly payments with local rates
- Montana Mortgage Calculator — Estimate monthly payments with local rates
- Arizona Bonus Tax Calculator — See how bonuses are taxed differently
- Montana Bonus Tax Calculator — See how bonuses are taxed differently
- Gross-Up Calculator — Find the salary you need to hit a target take-home
- Salary to Hourly Converter — Convert annual salary to hourly rate
- Compare any two states
Based on MERIC/C2ER 2025 composite indices and publicly available price data. Cost of living varies significantly by metro area within a state. These are statewide averages.