Bend vs Great Falls
Cost of Living Comparison · 2026
Bend
Great Falls
The Verdict
Great Falls is 50.0% less expensive than Bend overall. A household earning $75,000 in Bend would need approximately $50,000 in Great Falls to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Bend has the same purchasing power as $50,000 in Great Falls.
Conversely, $75,000 in Great Falls equals $112,500 in Bend.
Living in Bend vs Great Falls
Housing Costs
Bend's housing index of 182 is higher Great Falls's 82, translating to median home prices of $580,000 vs $325,000. The $255,000 difference in home prices means roughly $16,572 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,900/mo in Bend compared to $1,050/mo in Great Falls, a monthly difference of $850.
Grocery & Food Costs
Grocery expenses index at 106 in Bend and 99 in Great Falls. A household spending the national average of $475/month on groceries would pay approximately $504/month in Bend vs $470/month in Great Falls. Great Falls offers a meaningful advantage on everyday food costs, saving roughly $408/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 92 in Bend and 90 in Great Falls. Monthly utility bills average approximately $368 in Bend vs $360 in Great Falls. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 106 in Bend and 92 in Great Falls. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 14-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $68,234 in Bend and $55,800 in Great Falls. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $51,692 and $63,409 respectively. Great Falls residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,592/month to housing in Bend vs $1,302/month in Great Falls. In Bend, median rent of $1,900/mo exceeds this threshold, suggesting renters may feel stretched. In Great Falls, median rent of $1,050/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 100 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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