Missoula vs Nampa
Cost of Living Comparison · 2026
Missoula
Nampa
The Verdict
Nampa is 9.5% less expensive than Missoula overall. A household earning $75,000 in Missoula would need approximately $68,478 in Nampa 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 Missoula has the same purchasing power as $68,478 in Nampa.
Conversely, $75,000 in Nampa equals $82,143 in Missoula.
Living in Missoula vs Nampa
Housing Costs
Missoula's housing index of 141 is higher Nampa's 104, translating to median home prices of $460,000 vs $371,000. The $89,000 difference in home prices means roughly $5,784 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,400/mo in Missoula compared to $1,500/mo in Nampa, a monthly difference of $100.
Grocery & Food Costs
Grocery expenses index at 103 in Missoula and 105 in Nampa. A household spending the national average of $475/month on groceries would pay approximately $489/month in Missoula vs $499/month in Nampa. 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 89 in Missoula and 83 in Nampa. Monthly utility bills average approximately $356 in Missoula vs $332 in Nampa. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 102 in Missoula and 102 in Nampa. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $49,234 in Missoula and $74,300 in Nampa. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $42,812 and $70,762 respectively. Nampa residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,149/month to housing in Missoula vs $1,734/month in Nampa. In Missoula, median rent of $1,400/mo exceeds this threshold, suggesting renters may feel stretched. In Nampa, median rent of $1,500/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 37 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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