Billings vs Flagstaff
Cost of Living Comparison · 2026
Billings
Flagstaff
The Verdict
Living in Billings costs 15.5% less than Flagstaff. To match the purchasing power of a $75,000 salary in Billings, you would need $88,776 in Flagstaff.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Billings has the same purchasing power as $88,776 in Flagstaff.
Conversely, $75,000 in Flagstaff equals $63,362 in Billings.
Living in Billings vs Flagstaff
Housing Costs
Billings's housing index of 93 is lower Flagstaff's 178, translating to median home prices of $310,000 vs $655,000. The $345,000 difference in home prices means roughly $22,428 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,200/mo in Billings compared to $1,750/mo in Flagstaff, a monthly difference of $550.
Grocery & Food Costs
Grocery expenses index at 99 in Billings and 102 in Flagstaff. A household spending the national average of $475/month on groceries would pay approximately $470/month in Billings vs $485/month in Flagstaff. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 89 in Billings and 92 in Flagstaff. Monthly utility bills average approximately $356 in Billings vs $368 in Flagstaff. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 102 in Billings and 102 in Flagstaff. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $55,438 in Billings and $68,000 in Flagstaff. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $56,569 and $58,621 respectively. Flagstaff residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,294/month to housing in Billings vs $1,587/month in Flagstaff. In Billings, median rent of $1,200/mo fits within this budget. In Flagstaff, median rent of $1,750/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Housing, where the gap is 85 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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