Amarillo vs Montgomery

Category-by-Category Breakdown

Index values · National average = 100 · Lower is more affordable

Salary Equivalence

A $75,000 salary in Amarillo has the same purchasing power as $80,068 in Montgomery.

Conversely, $75,000 in Montgomery equals $70,253 in Amarillo.

Living in Amarillo vs Montgomery

Housing Costs

Amarillo's housing index of 59 is higher Montgomery's 49, translating to median home prices of $195,000 vs $162,000. The $33,000 difference in home prices means roughly $2,148 per year in additional mortgage costs at current rates. Renters face a similar gap: $975/mo in Amarillo compared to $1,000/mo in Montgomery, a monthly difference of $25.

Grocery & Food Costs

Grocery expenses index at 92 in Amarillo and 99 in Montgomery. A household spending the national average of $475/month on groceries would pay approximately $437/month in Amarillo vs $470/month in Montgomery. Amarillo offers a meaningful advantage on everyday food costs, saving roughly $396/year.

Utility Expenses

Utility costs — electricity, gas, water, internet — index at 94 in Amarillo and 115 in Montgomery. Monthly utility bills average approximately $376 in Amarillo vs $460 in Montgomery. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.

Healthcare

Healthcare costs index at 104 in Amarillo and 78 in Montgomery. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 26-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.

Income & Purchasing Power

Median household income is $58,500 in Amarillo and $56,800 in Montgomery. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $79,054 and $71,899 respectively. Amarillo residents enjoy stronger real purchasing power despite higher nominal wages.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $1,365/month to housing in Amarillo vs $1,325/month in Montgomery. In Amarillo, median rent of $975/mo fits within this budget. In Montgomery, median rent of $1,000/mo remains manageable. The biggest category-level difference between these two cities is Healthcare, where the gap is 26 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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