Missoula wins overall by ~3% (COL index)
Cost of living: Phoenix vs Missoula (2026)
A $60,000 salary in Phoenix buys roughly what $58,200 does in Missoula (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
−$226/yr
Favoring Missoula for this income & household (illustrative).
With an extra $19/mo in Missoula, you could max a Roth IRA contribution faster and still grow your savings buffer.
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 | Phoenix Arizona | Missoula Montana | Who wins | Your impact at $60K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $1,200 | $1,050Wins | Missoula wins −$150/mo | $1,800/yr saves in Missoula |
| 1BR rent/mo | $1,500 | $1,300Wins | Missoula wins −$200/mo | $2,400/yr saves in Missoula |
| 2BR rent/mo | $1,900 | $1,750Better | Missoula wins −$150/mo | $1,800/yr saves in Missoula |
| Median home price | $380KBetter | $430K | Phoenix wins +$50K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 97Better | 99 | Phoenix wins +2 | — |
| Budget meal (1 person) | $13Better | $13 | — | — |
| Mid-range dinner (2) | $55 | $54Better | Missoula wins −$1/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $64 | $45Wins | Missoula wins −$19/mo | — |
| Gas price/gal | $3.20Better | $3.50 | Phoenix wins +$0.30 | — |
| Car insurance/mo | $160 | $135Wins | Missoula wins −$25/mo | $300/yr saves in Missoula |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $210 | $145Wins | Missoula wins −$65/mo | $780/yr saves in Missoula |
| Internet/mo | $60Better | $68 | Phoenix wins +$8/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $65KWins | $54K | Phoenix wins −$11K more/yr | — |
| State income tax% | 2.5%Wins | 6.8% | Phoenix wins +4.3 pp | $2,580/yr saves in Phoenix |
| Sales tax (combined)% | 8.6% | 0.0%Wins | Missoula wins -8.6 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $15.00 | $14.00Better | Missoula wins −$1.00 | — |
| Gym membership/mo | $35Better | $38 | Phoenix wins +$3/mo | — |
| Beer at restaurant | $6.00Better | $6.00 | — | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 100 | 97Better | Missoula wins -3 | — |
| Walk score / 100 | 41 | 42Better | Missoula wins +1 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$2,580/yr tax difference into cash back
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 ~$2,400/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 Phoenix cheaper than Missoula?
No. Missoula is 3% cheaper than Phoenix based on overall cost of living indices (97 vs 100, where 100 = US average).
What is the average rent in Phoenix vs Missoula?
As of Q1 2026, the median 1-bedroom rent in Phoenix is $1,500/month and in Missoula is $1,300/month. Phoenix is more expensive by 15%.
How much do I need to earn in Missoula to match a $75,000 salary in Phoenix?
To maintain a similar lifestyle, you would need approximately $72,750/year in Missoula to match a $75,000 salary in Phoenix. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Phoenix or Missoula?
Phoenix has the lower state income tax rate at 2.5% vs 6.8%. The difference is 4.3 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Phoenix to Missoula?
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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