Montana vs Oklahoma Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$77,479
in Montana
$88,548
in Oklahoma
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 | Montana | Oklahoma | Difference |
|---|---|---|---|
| Housing | 94.4 | 68.8 | +37% |
| Groceries | 101.6 | 95.4 | +6% |
| Utilities | 81.5 | 98.2 | -17% |
| Transportation | 99.5 | 88.8 | +12% |
| Healthcare | 106.5 | 97.1 | +10% |
| Dining & Misc | 98.6 | 87.6 | +13% |
| Overall | 96.8 | 84.7 | +14% |
Index values relative to national average (100). Positive difference = more expensive in Montana.
What things actually cost
| Item | Montana | Oklahoma | Difference |
|---|---|---|---|
| Median home price | $410,000 | $190,000 | +$220,000 |
| Average 2BR rent | $1,322/mo | $963/mo | +$359 |
| Gas price | $3.19/gal | $3.01/gal | +$0.18 |
| Electric bill | $96/mo | $81/mo | +$15 |
| Infant childcare | $12,778/yr | $12,468/yr | +$310 |
Salary equivalent: Montana → Oklahoma
What a Montana salary buys you in Oklahoma, adjusted for cost of living.
| Salary in Montana | Equivalent in Oklahoma | Difference |
|---|---|---|
| $50,000 | $43,750 | +$6,250 |
| $75,000 | $65,625 | +$9,375 |
| $100,000 | $87,500 | +$12,500 |
| $150,000 | $131,250 | +$18,750 |
| $200,000 | $175,000 | +$25,000 |
Positive = your money goes further in Oklahoma. 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 14% more expensive than Oklahoma overall. Montana has an index of 96.8 vs 84.7 for Oklahoma (national average = 100).
FAQ
Is it cheaper to live in Montana or Oklahoma?
Oklahoma is cheaper to live in. Montana is 14% more expensive overall. The biggest driver is housing — median home prices are $410,000 in Montana vs $190,000 in Oklahoma.
Is Oklahoma cheaper than Montana?
Yes, Oklahoma is 14% 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 Oklahoma?
Yes, Montana is 14% more expensive than Oklahoma based on the MERIC/C2ER composite index. Housing is typically the largest factor in the difference.
What salary in Oklahoma equals $100,000 in Montana?
To maintain the same purchasing power as a $100,000 salary in Montana, you would need approximately $87,500 in Oklahoma. This is based on the overall cost-of-living index (96.8 vs 84.7).
How do housing costs compare between Montana and Oklahoma?
Housing is significantly cheaper in Oklahoma. Median home prices are $410,000 in Montana vs $190,000 in Oklahoma — a $220,000 difference. Average 2-bedroom rent is $1,322/mo vs $963/mo.
What costs more in Montana vs Oklahoma?
Housing is 37% higher in Montana (index 94.4 vs 68.8). Utilities is 17% lower in Montana (index 81.5 vs 98.2). Dining & Misc is 13% higher in Montana (index 98.6 vs 87.6).
Is gas cheaper in Montana or Oklahoma?
Gas averages $3.19/gallon in Montana and $3.01/gallon in Oklahoma — a $0.18 difference per gallon.
Montana vs Oklahoma cost of living — how do they compare?
Montana has an overall cost-of-living index of 96.8 and Oklahoma has 84.7 (national average = 100). Montana is 14% more expensive overall. Use the calculator above to see how this affects your specific salary.
How do taxes compare between Montana and Oklahoma?
Cost of living is only part of the picture — state income taxes also affect your take-home pay. Montana has a progressive income tax with rates of 4.70% and 5.65% for 2026, and no state sales tax. Oklahoma uses a progressive income tax with three brackets and a top rate of 4.50% for 2026 (reduced from 4.75% in 2025). Oklahoma has been gradually cutting its income tax rate — it was 5.0% as recently as 2022. Combined with low cost of living, Oklahoma offers strong purchasing power for mid-range salaries. Use the Montana vs Oklahoma 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 Montana and Oklahoma?
Montana requires residents to file a state income tax return annually, typically due April 15. Oklahoma 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
- Montana Cost of Living — Housing, groceries, gas, and more
- Oklahoma Cost of Living — Housing, groceries, gas, and more
- Montana vs Oklahoma Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in Montana — How much house can you afford?
- House Affordability in Oklahoma — How much house can you afford?
- Montana Tax Brackets — See 2026 marginal rates
- Oklahoma Tax Brackets — See 2026 marginal rates
- Montana Mortgage Calculator — Estimate monthly payments with local rates
- Oklahoma Mortgage Calculator — Estimate monthly payments with local rates
- Montana Bonus Tax Calculator — See how bonuses are taxed differently
- Oklahoma 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.