Billings wins overall by ~52% (COL index)
Cost of living: Billings vs New York (2026)
A $69,000 salary in Billings buys roughly what $144,978 does in New York (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
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Estimated annual swing
+$37,298/yr
Favoring Billings for this income & household (illustrative).
With the extra $3,108/mo, you could pay down a $15,000 card balance in ~5 months and still keep ~$373/mo for dining out.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Billings Montana | New York New York | Who wins | Your impact at $69K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $950Wins | $2,800 | Billings wins +$1,850/mo | $22,200/yr saves in Billings |
| 1BR rent/mo | $1,200Wins | $3,500 | Billings wins +$2,300/mo | $27,600/yr saves in Billings |
| 2BR rent/mo | $1,600Wins | $4,800 | Billings wins +$3,200/mo | $38,400/yr saves in Billings |
| Median home price | $320KWins | $750K | Billings wins +$430K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 97Wins | 115 | Billings wins +18 | — |
| Budget meal (1 person) | $12Wins | $20 | Billings wins +$8/mo | — |
| Mid-range dinner (2) | $52Wins | $85 | Billings wins +$33/mo | $396/yr saves in Billings |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $42Wins | $132 | Billings wins +$90/mo | $1,080/yr saves in Billings |
| Gas price/gal | $3.45 | $3.20Better | New York wins −$0.25 | — |
| Car insurance/mo | $138Wins | $285 | Billings wins +$147/mo | $1,764/yr saves in Billings |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $148Wins | $180 | Billings wins +$32/mo | $384/yr saves in Billings |
| Internet/mo | $68Better | $75 | Billings wins +$7/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $60K | $78KWins | New York wins +$18K more/yr | — |
| State income tax% | 6.8%Better | 6.9% | Billings wins +0.1 pp | — |
| Sales tax (combined)% | 0.0%Wins | 8.5% | Billings wins +8.5 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $14.00Wins | $18.00 | Billings wins +$4.00 | — |
| Gym membership/mo | $35Wins | $80 | Billings wins +$45/mo | $540/yr saves in Billings |
| Beer at restaurant | $5.50Wins | $9.00 | Billings wins +$3.50 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 89Wins | 187 | Billings wins +98 | — |
| Walk score / 100 | 26 | 88Wins | New York wins +62 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Maximize everyday spend in your new city
Billings fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Billings.
High-yield savings
Park ~$27,600/yr rent savings at 4–5%+ APY
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
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While you’re comparing — don’t leave money on the table.
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Invest the surplus on autopilot
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Frequently asked questions
Is Billings cheaper than New York?
Yes. Billings is 52% cheaper than New York based on overall cost of living indices (89 vs 187, where 100 = US average).
What is the average rent in Billings vs New York?
As of Q1 2026, the median 1-bedroom rent in Billings is $1,200/month and in New York is $3,500/month. Billings is cheaper by 66%.
How much do I need to earn in New York to match a $75,000 salary in Billings?
To maintain a similar lifestyle, you would need approximately $157,584/year in New York to match a $75,000 salary in Billings. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Billings or New York?
Billings has the lower state income tax rate at 6.8% vs 6.9%. The difference is 0.1 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Billings to New York?
It depends on your priorities. Billings offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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