Montgomery vs Round Rock
Cost of Living Comparison · 2026
Montgomery
Round Rock
The Verdict
Montgomery is 21.8% less expensive than Round Rock overall. A household earning $75,000 in Montgomery would need approximately $95,886 in Round Rock 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 Montgomery has the same purchasing power as $95,886 in Round Rock.
Conversely, $75,000 in Round Rock equals $58,663 in Montgomery.
Living in Montgomery vs Round Rock
Housing Costs
Montgomery's housing index of 49 is lower Round Rock's 92, translating to median home prices of $162,000 vs $413,000. The $251,000 difference in home prices means roughly $16,320 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,000/mo in Montgomery compared to $1,400/mo in Round Rock, a monthly difference of $400.
Grocery & Food Costs
Grocery expenses index at 99 in Montgomery and 96 in Round Rock. A household spending the national average of $475/month on groceries would pay approximately $470/month in Montgomery vs $456/month in Round Rock. 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 115 in Montgomery and 109 in Round Rock. Monthly utility bills average approximately $460 in Montgomery vs $436 in Round Rock. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 78 in Montgomery and 96 in Round Rock. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 18-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 $100,500 in Round Rock. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $71,899 and $99,505 respectively. Round Rock residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,325/month to housing in Montgomery vs $2,345/month in Round Rock. In Montgomery, median rent of $1,000/mo fits within this budget. In Round Rock, median rent of $1,400/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 43 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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