$40K in Missoula = $32,165 in McAllen
Your $40K salary in Missoula (COL 97) has the same purchasing power as $32,165 in McAllen (COL 78). McAllen is cheaper — your money goes 20% further there.
Budget breakdown — $40K in both cities
What $40K actually buys you in each city after taxes and core expenses.
| Expense | Missoula $40K | McAllen $40K (same salary) |
|---|---|---|
| Monthly take-home | $2,502 | $2,728 |
| 1BR rent | $1,300 | $950 |
| Groceries | $376 | $338 |
| Transport | $45 | $35 |
| Utilities | $145 | $165 |
| Internet | $68 | $60 |
| Left after essentials | $568/month | $1,180/month |
Frequently asked questions
What is $40K in Missoula equivalent to in McAllen?
$40K in Missoula (COL index 97) has the same purchasing power as $32,165 in McAllen (COL index 78). That's 20% less than your current salary.
If I move from Missoula to McAllen keeping my $40K salary, will I be better off?
Yes. If you keep earning $40K after moving to McAllen, you'd have $612 more per month after core expenses — because McAllen is cheaper than Missoula.
How is the salary equivalent calculated?
The equivalent salary is calculated by multiplying your current salary by the ratio of the two cities' overall cost of living indices: $40K × (78 ÷ 97) = $32,165. This adjusts for differences in housing, food, transport, and general cost of living.
Other salary amounts — Missoula to McAllen
Equivalency uses overall COL index ratio. Take-home uses simplified federal/state brackets. Zillow · BLS · Numbeo · Q1 2026 · For general guidance only