Montgomery vs Naples
Cost of Living Comparison · 2026
Montgomery
Naples
The Verdict
The cost gap between these cities is 38.3%, with Montgomery being the more affordable option. A $75,000 income in Montgomery has equivalent purchasing power to $121,519 in Naples.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Montgomery has the same purchasing power as $121,519 in Naples.
Conversely, $75,000 in Naples equals $46,289 in Montgomery.
Living in Montgomery vs Naples
Housing Costs
Montgomery's housing index of 49 is lower Naples's 180, translating to median home prices of $162,000 vs $520,000. The $358,000 difference in home prices means roughly $23,268 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,000/mo in Montgomery compared to $2,100/mo in Naples, a monthly difference of $1,100.
Grocery & Food Costs
Grocery expenses index at 99 in Montgomery and 106 in Naples. A household spending the national average of $475/month on groceries would pay approximately $470/month in Montgomery vs $504/month in Naples. Montgomery offers a meaningful advantage on everyday food costs, saving roughly $408/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 115 in Montgomery and 96 in Naples. Monthly utility bills average approximately $460 in Montgomery vs $384 in Naples. 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 78 in Montgomery and 98 in Naples. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 20-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $56,800 in Montgomery and $72,178 in Naples. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $71,899 and $56,389 respectively. Montgomery residents enjoy stronger real purchasing power despite lower nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,325/month to housing in Montgomery vs $1,684/month in Naples. In Montgomery, median rent of $1,000/mo fits within this budget. In Naples, median rent of $2,100/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Housing, where the gap is 131 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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