Indiana vs Montana Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$82,690
in Indiana
$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 | Indiana | Montana | Difference |
|---|---|---|---|
| Housing | 75.4 | 94.4 | -20% |
| Groceries | 99.2 | 101.6 | -2% |
| Utilities | 95.0 | 81.5 | +17% |
| Transportation | 101.0 | 99.5 | +2% |
| Healthcare | 96.3 | 106.5 | -10% |
| Dining & Misc | 95.8 | 98.6 | -3% |
| Overall | 90.7 | 96.8 | -6% |
Index values relative to national average (100). Positive difference = more expensive in Indiana.
What things actually cost
| Item | Indiana | Montana | Difference |
|---|---|---|---|
| Median home price | $230,000 | $410,000 | $180,000 |
| Average 2BR rent | $1,056/mo | $1,322/mo | $266 |
| Gas price | $3.49/gal | $3.19/gal | +$0.30 |
| Electric bill | $101/mo | $96/mo | +$5 |
| Infant childcare | $14,471/yr | $12,778/yr | +$1,693 |
Salary equivalent: Indiana → Montana
What a Indiana salary buys you in Montana, adjusted for cost of living.
| Salary in Indiana | Equivalent in Montana | Difference |
|---|---|---|
| $50,000 | $53,363 | $-3,363 |
| $75,000 | $80,044 | $-5,044 |
| $100,000 | $106,725 | $-6,725 |
| $150,000 | $160,088 | $-10,088 |
| $200,000 | $213,451 | $-13,451 |
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
Montana is 6% more expensive than Indiana overall. Montana has an index of 96.8 vs 90.7 for Indiana (national average = 100).
FAQ
Is it cheaper to live in Indiana or Montana?
Indiana is cheaper to live in. Montana is 6% more expensive overall. The biggest driver is housing — median home prices are $230,000 in Indiana vs $410,000 in Montana.
Is Indiana cheaper than Montana?
Yes, Indiana is 6% cheaper than Montana overall based on the MERIC/C2ER cost-of-living index. Housing, groceries, and utilities all factor into the difference.
Is Montana more expensive than Indiana?
Yes, Montana is 6% more expensive than Indiana based on the MERIC/C2ER composite index. Housing is typically the largest factor in the difference.
What salary in Montana equals $100,000 in Indiana?
To maintain the same purchasing power as a $100,000 salary in Indiana, you would need approximately $106,725 in Montana. This is based on the overall cost-of-living index (90.7 vs 96.8).
How do housing costs compare between Indiana and Montana?
Housing is significantly cheaper in Indiana. Median home prices are $230,000 in Indiana vs $410,000 in Montana — a $180,000 difference. Average 2-bedroom rent is $1,056/mo vs $1,322/mo.
What costs more in Indiana vs Montana?
Housing is 20% lower in Indiana (index 75.4 vs 94.4). Utilities is 17% higher in Indiana (index 95 vs 81.5). Healthcare is 10% lower in Indiana (index 96.3 vs 106.5).
Is gas cheaper in Indiana or Montana?
Gas averages $3.49/gallon in Indiana and $3.19/gallon in Montana — a $0.30 difference per gallon.
Indiana vs Montana cost of living — how do they compare?
Indiana has an overall cost-of-living index of 90.7 and Montana has 96.8 (national average = 100). Montana is 6% more expensive overall. Use the calculator above to see how this affects your specific salary.
How do taxes compare between Indiana and Montana?
Cost of living is only part of the picture — state income taxes also affect your take-home pay. Indiana has a flat state income tax of 2.95% for 2026, one of the lowest flat rates in the country. Montana has a progressive income tax with rates of 4.70% and 5.65% for 2026, and no state sales tax. Use the Indiana 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 Indiana and Montana?
Indiana 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
- Indiana Cost of Living — Housing, groceries, gas, and more
- Montana Cost of Living — Housing, groceries, gas, and more
- Indiana vs Montana Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in Indiana — How much house can you afford?
- House Affordability in Montana — How much house can you afford?
- Indiana Tax Brackets — See 2026 marginal rates
- Montana Tax Brackets — See 2026 marginal rates
- Indiana Mortgage Calculator — Estimate monthly payments with local rates
- Montana Mortgage Calculator — Estimate monthly payments with local rates
- Indiana 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.