Billings vs Pensacola
Cost of Living Comparison · 2026
Billings
Pensacola
The Verdict
The cost gap between these cities is 10.1%, with Pensacola being the more affordable option. A $75,000 income in Billings has equivalent purchasing power to $68,112 in Pensacola.
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 $68,112 in Pensacola.
Conversely, $75,000 in Pensacola equals $82,584 in Billings.
Living in Billings vs Pensacola
Housing Costs
Billings's housing index of 93 is higher Pensacola's 80, translating to median home prices of $310,000 vs $314,000. The $4,000 difference in home prices means roughly $264 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,200/mo in Billings compared to $1,350/mo in Pensacola, a monthly difference of $150.
Grocery & Food Costs
Grocery expenses index at 99 in Billings and 101 in Pensacola. A household spending the national average of $475/month on groceries would pay approximately $470/month in Billings vs $480/month in Pensacola. 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 94 in Pensacola. Monthly utility bills average approximately $356 in Billings vs $376 in Pensacola. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 102 in Billings and 100 in Pensacola. 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 $63,200 in Pensacola. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $56,569 and $71,011 respectively. Pensacola 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 $1,475/month in Pensacola. In Billings, median rent of $1,200/mo fits within this budget. In Pensacola, median rent of $1,350/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 13 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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