Delaware vs Montana Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$72,745
in Delaware
$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 | Delaware | Montana | Difference |
|---|---|---|---|
| Housing | 102.3 | 94.4 | +8% |
| Groceries | 101.3 | 101.6 | 0% |
| Utilities | 97.6 | 81.5 | +20% |
| Transportation | 100.6 | 99.5 | +1% |
| Healthcare | 103.9 | 106.5 | -2% |
| Dining & Misc | 106.3 | 98.6 | +8% |
| Overall | 103.1 | 96.8 | +7% |
Index values relative to national average (100). Positive difference = more expensive in Delaware.
What things actually cost
| Item | Delaware | Montana | Difference |
|---|---|---|---|
| Median home price | $340,000 | $410,000 | $70,000 |
| Average 2BR rent | $1,432/mo | $1,322/mo | +$110 |
| Gas price | $3.38/gal | $3.19/gal | +$0.19 |
| Electric bill | $120/mo | $96/mo | +$24 |
| Infant childcare | $16,220/yr | $12,778/yr | +$3,442 |
Salary equivalent: Delaware → Montana
What a Delaware salary buys you in Montana, adjusted for cost of living.
| Salary in Delaware | Equivalent in Montana | Difference |
|---|---|---|
| $50,000 | $46,945 | +$3,055 |
| $75,000 | $70,417 | +$4,583 |
| $100,000 | $93,889 | +$6,111 |
| $150,000 | $140,834 | +$9,166 |
| $200,000 | $187,779 | +$12,221 |
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
Delaware is 7% more expensive than Montana overall. Delaware has an index of 103.1 vs 96.8 for Montana (national average = 100).
FAQ
Is it cheaper to live in Delaware or Montana?
Montana is cheaper to live in. Delaware is 7% more expensive overall. The biggest driver is housing — median home prices are $340,000 in Delaware vs $410,000 in Montana.
Is Montana cheaper than Delaware?
Yes, Montana is 7% cheaper than Delaware overall based on the MERIC/C2ER cost-of-living index. Housing, groceries, and utilities all factor into the difference.
Is Delaware more expensive than Montana?
Yes, Delaware is 7% 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 Delaware?
To maintain the same purchasing power as a $100,000 salary in Delaware, you would need approximately $93,889 in Montana. This is based on the overall cost-of-living index (103.1 vs 96.8).
How do housing costs compare between Delaware and Montana?
Housing is significantly cheaper in Delaware. Median home prices are $340,000 in Delaware vs $410,000 in Montana — a $70,000 difference. Average 2-bedroom rent is $1,432/mo vs $1,322/mo.
What costs more in Delaware vs Montana?
Utilities is 20% higher in Delaware (index 97.6 vs 81.5). Housing is 8% higher in Delaware (index 102.3 vs 94.4). Dining & Misc is 8% higher in Delaware (index 106.3 vs 98.6).
Is gas cheaper in Delaware or Montana?
Gas averages $3.38/gallon in Delaware and $3.19/gallon in Montana — a $0.19 difference per gallon.
Delaware vs Montana cost of living — how do they compare?
Delaware has an overall cost-of-living index of 103.1 and Montana has 96.8 (national average = 100). Delaware is 7% more expensive overall. Use the calculator above to see how this affects your specific salary.
How do taxes compare between Delaware and Montana?
Cost of living is only part of the picture — state income taxes also affect your take-home pay. Delaware has no state sales tax, making it popular for shopping, and uses a progressive income tax up to 6.60%. Montana has a progressive income tax with rates of 4.70% and 5.65% for 2026, and no state sales tax. Use the Delaware 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 Delaware and Montana?
Delaware 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
- Delaware Cost of Living — Housing, groceries, gas, and more
- Montana Cost of Living — Housing, groceries, gas, and more
- Delaware vs Montana Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in Delaware — How much house can you afford?
- House Affordability in Montana — How much house can you afford?
- Delaware Tax Brackets — See 2026 marginal rates
- Montana Tax Brackets — See 2026 marginal rates
- Delaware Mortgage Calculator — Estimate monthly payments with local rates
- Montana Mortgage Calculator — Estimate monthly payments with local rates
- Delaware 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.