Cost of Living: Las Cruces vs Billings (2026)
Las Cruces has a 8% lower overall cost of living than Billings as of Q1 2026. A one-bedroom apartment runs $1,000/mo in Las Cruces vs $1,200/mo in Billings — a 17% difference. Las Cruces has a lower state income tax rate (4.9% vs 6.8%), which adds up over time.
- Las Cruces is 8% cheaper overall (COL index: 82 vs 89)
- 1BR rent: $1,000/mo in Las Cruces vs $1,200/mo — 17% savings
- Higher median household income: Billings ($60,000/yr vs $42,000/yr)
- Median home price: $215,000 in Las Cruces vs $320,000 — 33% difference
| Category | Las Cruces New Mexico | Billings Montana |
|---|---|---|
| 🏠 HousingQ1 2026 | ||
| Studio rent/mo | $800Best | $950 |
| 1BR rent/mo | $1,000Best | $1,200 |
| 2BR rent/mo | $1,300Best | $1,600 |
| Median home price | $215KBest | $320K |
| 🛒 Food & GroceriesQ1 2026 | ||
| Groceries index (100 = US avg) | 92Best | 97 |
| Budget meal (1 person) | $11Best | $12 |
| Mid-range dinner (2) | $46Best | $52 |
| 🚌 TransportationQ1 2026 | ||
| Monthly transit pass/mo | $38Best | $42 |
| Gas price/gal | $3.10Best | $3.45 |
| Car insurance/mo | $138Best | $138 |
| ⚡ UtilitiesQ1 2026 | ||
| Monthly utilities bundle/mo | $152 | $148Best |
| Internet/mo | $60Best | $68 |
| 💰 Income & TaxesQ1 2026 | ||
| Median household income/yr | $42K | $60KBest |
| State income tax% | 4.9%Best | 6.8% |
| Sales tax (combined)% | 7.7% | 0.0%Best |
| 🎬 LeisureQ1 2026 | ||
| Movie ticket | $12.00Best | $14.00 |
| Gym membership/mo | $28Best | $35 |
| Beer at restaurant | $4.50Best | $5.50 |
| 📊 OverviewQ1 2026 | ||
| Overall COL index (100 = US avg) | 82Best | 89 |
| Walk score / 100 | 28Best | 26 |
Frequently asked questions
Is Las Cruces cheaper than Billings?
Yes. Las Cruces is 8% cheaper than Billings based on overall cost of living indices (82 vs 89, where 100 = US average).
What is the average rent in Las Cruces vs Billings?
As of Q1 2026, the median 1-bedroom rent in Las Cruces is $1,000/month and in Billings is $1,200/month. Las Cruces is cheaper by 17%.
How much do I need to earn in Billings to match a $75,000 salary in Las Cruces?
To maintain a similar lifestyle, you would need approximately $81,402/year in Billings to match a $75,000 salary in Las Cruces. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Las Cruces or Billings?
Las Cruces has the lower state income tax rate at 4.9% vs 6.8%. The difference is 1.9 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Las Cruces to Billings?
It depends on your priorities. Las Cruces 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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