Hillsboro vs Montgomery
Cost of Living Comparison · 2026
Hillsboro
Montgomery
The Verdict
The cost gap between these cities is 62.0%, with Montgomery being the more affordable option. A $75,000 income in Hillsboro has equivalent purchasing power to $46,289 in Montgomery.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Hillsboro has the same purchasing power as $46,289 in Montgomery.
Conversely, $75,000 in Montgomery equals $121,519 in Hillsboro.
Living in Hillsboro vs Montgomery
Housing Costs
Hillsboro's housing index of 175 is higher Montgomery's 49, translating to median home prices of $533,000 vs $162,000. The $371,000 difference in home prices means roughly $24,120 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,725/mo in Hillsboro compared to $1,000/mo in Montgomery, a monthly difference of $725.
Grocery & Food Costs
Grocery expenses index at 108 in Hillsboro and 99 in Montgomery. A household spending the national average of $475/month on groceries would pay approximately $513/month in Hillsboro vs $470/month in Montgomery. Montgomery offers a meaningful advantage on everyday food costs, saving roughly $516/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 96 in Hillsboro and 115 in Montgomery. Monthly utility bills average approximately $384 in Hillsboro 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 103 in Hillsboro and 78 in Montgomery. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 25-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $106,700 in Hillsboro and $56,800 in Montgomery. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $83,359 and $71,899 respectively. Hillsboro residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $2,490/month to housing in Hillsboro vs $1,325/month in Montgomery. In Hillsboro, median rent of $1,725/mo fits within this budget. 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 126 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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