City Comparison

Great Falls vs Pensacola

Cost of Living Comparison · 2026

Great Falls

Montana
88
Below Average
$325,000
Median Home
$1,050/mo
Median Rent
$55,800
Median Income

Pensacola

Florida
89
Below Average
$314,000
Median Home
$1,350/mo
Median Rent
$63,200
Median Income

The Verdict

1.1%

Living in Great Falls costs 1.1% less than Pensacola. To match the purchasing power of a $75,000 salary in Great Falls, you would need $75,852 in Pensacola.

Category-by-Category Breakdown

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

Housing
82
Great Falls
80
Pensacola
Groceries
99
Great Falls
101
Pensacola
Utilities
90
Great Falls
94
Pensacola
Transportation
95
Great Falls
98
Pensacola
Healthcare
92
Great Falls
100
Pensacola

Salary Equivalence

A $75,000 salary in Great Falls has the same purchasing power as $75,852 in Pensacola.

Conversely, $75,000 in Pensacola equals $74,157 in Great Falls.

Living in Great Falls vs Pensacola

Housing Costs

Great Falls's housing index of 82 is higher Pensacola's 80, translating to median home prices of $325,000 vs $314,000. The $11,000 difference in home prices means roughly $720 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,050/mo in Great Falls compared to $1,350/mo in Pensacola, a monthly difference of $300.

Grocery & Food Costs

Grocery expenses index at 99 in Great Falls and 101 in Pensacola. A household spending the national average of $475/month on groceries would pay approximately $470/month in Great Falls 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 90 in Great Falls and 94 in Pensacola. Monthly utility bills average approximately $360 in Great Falls vs $376 in Pensacola. Utility costs are relatively comparable between these two cities.

Healthcare

Healthcare costs index at 92 in Great Falls 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 $55,800 in Great Falls and $63,200 in Pensacola. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $63,409 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 $1,302/month to housing in Great Falls vs $1,475/month in Pensacola. In Great Falls, median rent of $1,050/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 Healthcare, where the gap is 8 index points — focus your budget analysis there.

Frequently Asked Questions

Great Falls is 1.1% more affordable overall with an index of 88 vs 89.
A $75,000 salary in Great Falls has equivalent purchasing power to approximately $75,852 in Pensacola, based on the cost of living difference.
Great Falls's housing index is 82 with median homes at $325,000, while Pensacola's is 80 with median homes at $314,000.

Moving & Relocation Resources

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