Las Cruces vs Montgomery
Cost of Living Comparison · 2026
Las Cruces
Montgomery
The Verdict
Montgomery is 6.3% less expensive than Las Cruces overall. A household earning $75,000 in Las Cruces would need approximately $70,536 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 Las Cruces has the same purchasing power as $70,536 in Montgomery.
Conversely, $75,000 in Montgomery equals $79,747 in Las Cruces.
Living in Las Cruces vs Montgomery
Housing Costs
Las Cruces's housing index of 82 is higher Montgomery's 49, translating to median home prices of $232,000 vs $162,000. The $70,000 difference in home prices means roughly $4,548 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,000/mo in Las Cruces compared to $1,000/mo in Montgomery, a monthly difference of $0.
Grocery & Food Costs
Grocery expenses index at 97 in Las Cruces and 99 in Montgomery. A household spending the national average of $475/month on groceries would pay approximately $461/month in Las Cruces 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 81 in Las Cruces and 115 in Montgomery. Monthly utility bills average approximately $324 in Las Cruces 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 113 in Las Cruces and 78 in Montgomery. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 35-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $55,400 in Las Cruces and $56,800 in Montgomery. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $65,952 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 $1,293/month to housing in Las Cruces vs $1,325/month in Montgomery. In Las Cruces, median rent of $1,000/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 Healthcare, where the gap is 35 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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