Boulder vs Montgomery
Cost of Living Comparison · 2026
Boulder
Montgomery
The Verdict
The cost gap between these cities is 87.3%, with Montgomery being the more affordable option. A $75,000 income in Boulder has equivalent purchasing power to $40,034 in Montgomery.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Boulder has the same purchasing power as $40,034 in Montgomery.
Conversely, $75,000 in Montgomery equals $140,506 in Boulder.
Living in Boulder vs Montgomery
Housing Costs
Boulder's housing index of 230 is higher Montgomery's 49, translating to median home prices of $750,000 vs $162,000. The $588,000 difference in home prices means roughly $38,220 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,300/mo in Boulder compared to $1,000/mo in Montgomery, a monthly difference of $1,300.
Grocery & Food Costs
Grocery expenses index at 107 in Boulder and 99 in Montgomery. A household spending the national average of $475/month on groceries would pay approximately $508/month in Boulder vs $470/month in Montgomery. Montgomery offers a meaningful advantage on everyday food costs, saving roughly $456/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 94 in Boulder and 115 in Montgomery. Monthly utility bills average approximately $376 in Boulder 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 Boulder 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 $73,123 in Boulder and $56,800 in Montgomery. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $49,407 and $71,899 respectively. Montgomery residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,706/month to housing in Boulder vs $1,325/month in Montgomery. In Boulder, median rent of $2,300/mo exceeds this threshold, suggesting renters may feel stretched. In Montgomery, median rent of $1,000/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 181 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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