Missoula wins overall by ~48% (COL index)
Cost of living: Missoula vs New York (2026)
A $66,000 salary in Missoula buys roughly what $127,237 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.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
+$35,108/yr
Favoring Missoula for this income & household (illustrative).
With the extra $2,926/mo, you could pay down a $15,000 card balance in ~6 months and still keep ~$351/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 | Missoula Montana | New York New York | Who wins | Your impact at $66K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $1,050Wins | $2,800 | Missoula wins +$1,750/mo | $21,000/yr saves in Missoula |
| 1BR rent/mo | $1,300Wins | $3,500 | Missoula wins +$2,200/mo | $26,400/yr saves in Missoula |
| 2BR rent/mo | $1,750Wins | $4,800 | Missoula wins +$3,050/mo | $36,600/yr saves in Missoula |
| Median home price | $430KWins | $750K | Missoula wins +$320K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 99Wins | 115 | Missoula wins +16 | — |
| Budget meal (1 person) | $13Wins | $20 | Missoula wins +$7/mo | — |
| Mid-range dinner (2) | $54Wins | $85 | Missoula wins +$31/mo | $372/yr saves in Missoula |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $45Wins | $132 | Missoula wins +$87/mo | $1,044/yr saves in Missoula |
| Gas price/gal | $3.50 | $3.20Better | New York wins −$0.30 | — |
| Car insurance/mo | $135Wins | $285 | Missoula wins +$150/mo | $1,800/yr saves in Missoula |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $145Wins | $180 | Missoula wins +$35/mo | $420/yr saves in Missoula |
| Internet/mo | $68Better | $75 | Missoula wins +$7/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $54K | $78KWins | New York wins +$24K more/yr | — |
| State income tax% | 6.8%Better | 6.9% | Missoula wins +0.1 pp | — |
| Sales tax (combined)% | 0.0%Wins | 8.5% | Missoula wins +8.5 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $14.00Wins | $18.00 | Missoula wins +$4.00 | — |
| Gym membership/mo | $38Wins | $80 | Missoula wins +$42/mo | $504/yr saves in Missoula |
| Beer at restaurant | $6.00Wins | $9.00 | Missoula wins +$3.00 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 97Wins | 187 | Missoula wins +90 | — |
| Walk score / 100 | 42 | 88Wins | New York wins +46 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
Missoula 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 Missoula.
High-yield savings
Park ~$26,400/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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Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
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While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is Missoula cheaper than New York?
Yes. Missoula is 48% cheaper than New York based on overall cost of living indices (97 vs 187, where 100 = US average).
What is the average rent in Missoula vs New York?
As of Q1 2026, the median 1-bedroom rent in Missoula is $1,300/month and in New York is $3,500/month. Missoula is cheaper by 63%.
How much do I need to earn in New York to match a $75,000 salary in Missoula?
To maintain a similar lifestyle, you would need approximately $144,588/year in New York to match a $75,000 salary in Missoula. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Missoula or New York?
Missoula 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 Missoula to New York?
It depends on your priorities. Missoula 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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Salary equivalent: Missoula ↔ New York
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