Irvine vs Montgomery
Cost of Living Comparison · 2026
Irvine
Montgomery
The Verdict
Montgomery is 125.3% less expensive than Irvine overall. A household earning $75,000 in Irvine would need approximately $33,287 in Montgomery to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Irvine has the same purchasing power as $33,287 in Montgomery.
Conversely, $75,000 in Montgomery equals $168,987 in Irvine.
Living in Irvine vs Montgomery
Housing Costs
Irvine's housing index of 294 is higher Montgomery's 49, translating to median home prices of $1.1M vs $162,000. The $888,000 difference in home prices means roughly $57,720 per year in additional mortgage costs at current rates. Renters face a similar gap: $3,000/mo in Irvine compared to $1,000/mo in Montgomery, a monthly difference of $2,000.
Grocery & Food Costs
Grocery expenses index at 108 in Irvine and 99 in Montgomery. A household spending the national average of $475/month on groceries would pay approximately $513/month in Irvine 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 115 in Irvine and 115 in Montgomery. Monthly utility bills average approximately $460 in Irvine vs $460 in Montgomery. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 109 in Irvine and 78 in Montgomery. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 31-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $108,038 in Irvine and $56,800 in Montgomery. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $60,696 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 $2,521/month to housing in Irvine vs $1,325/month in Montgomery. In Irvine, median rent of $3,000/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 245 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
As an Amazon Associate we earn from qualifying purchases