Irving vs Montgomery
Cost of Living Comparison · 2026
Irving
Montgomery
The Verdict
Montgomery is 26.6% less expensive than Irving overall. A household earning $75,000 in Irving would need approximately $59,250 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 Irving has the same purchasing power as $59,250 in Montgomery.
Conversely, $75,000 in Montgomery equals $94,937 in Irving.
Living in Irving vs Montgomery
Housing Costs
Irving's housing index of 94 is higher Montgomery's 49, translating to median home prices of $318,000 vs $162,000. The $156,000 difference in home prices means roughly $10,140 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,350/mo in Irving compared to $1,000/mo in Montgomery, a monthly difference of $350.
Grocery & Food Costs
Grocery expenses index at 99 in Irving and 99 in Montgomery. A household spending the national average of $475/month on groceries would pay approximately $470/month in Irving vs $470/month in Montgomery. 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 111 in Irving and 115 in Montgomery. Monthly utility bills average approximately $444 in Irving vs $460 in Montgomery. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 103 in Irving 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 $73,400 in Irving and $56,800 in Montgomery. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $73,400 and $71,899 respectively. Irving residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,713/month to housing in Irving vs $1,325/month in Montgomery. In Irving, median rent of $1,350/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 45 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
As an Amazon Associate we earn from qualifying purchases