City Comparison

Great Falls vs Stockton

Cost of Living Comparison · 2026

Great Falls

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

Stockton

California
114
Above Average
$400,000
Median Home
$1,500/mo
Median Rent
$54,658
Median Income

The Verdict

22.8%

The cost gap between these cities is 22.8%, with Great Falls being the more affordable option. A $75,000 income in Great Falls has equivalent purchasing power to $97,159 in Stockton.

Category-by-Category Breakdown

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

Housing
82
Great Falls
126
Stockton
Groceries
99
Great Falls
101
Stockton
Utilities
90
Great Falls
108
Stockton
Transportation
95
Great Falls
111
Stockton
Healthcare
92
Great Falls
101
Stockton

Salary Equivalence

A $75,000 salary in Great Falls has the same purchasing power as $97,159 in Stockton.

Conversely, $75,000 in Stockton equals $57,895 in Great Falls.

Living in Great Falls vs Stockton

Housing Costs

Great Falls's housing index of 82 is lower Stockton's 126, translating to median home prices of $325,000 vs $400,000. The $75,000 difference in home prices means roughly $4,872 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,050/mo in Great Falls compared to $1,500/mo in Stockton, a monthly difference of $450.

Grocery & Food Costs

Grocery expenses index at 99 in Great Falls and 101 in Stockton. A household spending the national average of $475/month on groceries would pay approximately $470/month in Great Falls vs $480/month in Stockton. 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 108 in Stockton. Monthly utility bills average approximately $360 in Great Falls vs $432 in Stockton. 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 92 in Great Falls and 101 in Stockton. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 9-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.

Income & Purchasing Power

Median household income is $55,800 in Great Falls and $54,658 in Stockton. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $63,409 and $47,946 respectively. Great Falls residents enjoy stronger real purchasing power despite higher nominal wages.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $1,302/month to housing in Great Falls vs $1,275/month in Stockton. In Great Falls, median rent of $1,050/mo fits within this budget. In Stockton, median rent of $1,500/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Housing, where the gap is 44 index points — focus your budget analysis there.

Frequently Asked Questions

Great Falls is 22.8% more affordable overall with an index of 88 vs 114.
A $75,000 salary in Great Falls has equivalent purchasing power to approximately $97,159 in Stockton, based on the cost of living difference.
Great Falls's housing index is 82 with median homes at $325,000, while Stockton's is 126 with median homes at $400,000.

Moving & Relocation Resources

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