Montana vs Rhode Island Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$77,479
in Montana
$67,751
in Rhode Island
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 | Rhode Island | Difference |
|---|---|---|---|
| Housing | 94.4 | 115.1 | -18% |
| Groceries | 101.6 | 101.4 | 0% |
| Utilities | 81.5 | 131.6 | -38% |
| Transportation | 99.5 | 99.7 | 0% |
| Healthcare | 106.5 | 100.8 | +6% |
| Dining & Misc | 98.6 | 110.0 | -10% |
| Overall | 96.8 | 110.7 | -13% |
Index values relative to national average (100). Positive difference = more expensive in Montana.
What things actually cost
| Item | Montana | Rhode Island | Difference |
|---|---|---|---|
| Median home price | $410,000 | $440,000 | $30,000 |
| Average 2BR rent | $1,322/mo | $1,611/mo | $289 |
| Gas price | $3.19/gal | $3.40/gal | $0.21 |
| Electric bill | $96/mo | $214/mo | $118 |
| Infant childcare | $12,778/yr | $16,758/yr | $3,980 |
Salary equivalent: Montana → Rhode Island
What a Montana salary buys you in Rhode Island, adjusted for cost of living.
| Salary in Montana | Equivalent in Rhode Island | Difference |
|---|---|---|
| $50,000 | $57,180 | $-7,180 |
| $75,000 | $85,770 | $-10,770 |
| $100,000 | $114,360 | $-14,360 |
| $150,000 | $171,539 | $-21,539 |
| $200,000 | $228,719 | $-28,719 |
Positive = your money goes further in Rhode Island. Based on overall COL index ratio.
Based on MERIC/C2ER 2025 composite indices. Dollar amounts from AAA, EIA, Zillow, and Child Care Aware.
Overview
Rhode Island is 13% more expensive than Montana overall. Rhode Island has an index of 110.7 vs 96.8 for Montana (national average = 100).
FAQ
Is it cheaper to live in Montana or Rhode Island?
Montana is cheaper to live in. Rhode Island is 13% more expensive overall. The biggest driver is housing — median home prices are $410,000 in Montana vs $440,000 in Rhode Island.
Is Montana cheaper than Rhode Island?
Yes, Montana is 13% cheaper than Rhode Island overall based on the MERIC/C2ER cost-of-living index. Housing, groceries, and utilities all factor into the difference.
Is Rhode Island more expensive than Montana?
Yes, Rhode Island is 13% more expensive than Montana based on the MERIC/C2ER composite index. Housing is typically the largest factor in the difference.
What salary in Rhode Island equals $100,000 in Montana?
To maintain the same purchasing power as a $100,000 salary in Montana, you would need approximately $114,360 in Rhode Island. This is based on the overall cost-of-living index (96.8 vs 110.7).
How do housing costs compare between Montana and Rhode Island?
Housing is significantly cheaper in Montana. Median home prices are $410,000 in Montana vs $440,000 in Rhode Island — a $30,000 difference. Average 2-bedroom rent is $1,322/mo vs $1,611/mo.
What costs more in Montana vs Rhode Island?
Utilities is 38% lower in Montana (index 81.5 vs 131.6). Housing is 18% lower in Montana (index 94.4 vs 115.1). Dining & Misc is 10% lower in Montana (index 98.6 vs 110).
Is gas cheaper in Montana or Rhode Island?
Gas averages $3.19/gallon in Montana and $3.40/gallon in Rhode Island — a $0.21 difference per gallon.
Montana vs Rhode Island cost of living — how do they compare?
Montana has an overall cost-of-living index of 96.8 and Rhode Island has 110.7 (national average = 100). Rhode Island is 13% more expensive overall. Use the calculator above to see how this affects your specific salary.
How do taxes compare between Montana and Rhode Island?
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. Rhode Island has a progressive income tax with a top rate of 5.99% on income above $166,950. Use the Montana vs Rhode Island 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 Rhode Island?
Montana requires residents to file a state income tax return annually, typically due April 15. Rhode Island 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
- Rhode Island Cost of Living — Housing, groceries, gas, and more
- Montana vs Rhode Island Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in Montana — How much house can you afford?
- House Affordability in Rhode Island — How much house can you afford?
- Montana Tax Brackets — See 2026 marginal rates
- Rhode Island Tax Brackets — See 2026 marginal rates
- Montana Mortgage Calculator — Estimate monthly payments with local rates
- Rhode Island Mortgage Calculator — Estimate monthly payments with local rates
- Montana Bonus Tax Calculator — See how bonuses are taxed differently
- Rhode Island 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.