Montgomery vs Tampa
Cost of Living Comparison · 2026 Data
Montgomery
Tampa
💡 The Verdict
Montgomery is 8% cheaper than Tampa overall. A $75,000 salary in Montgomery is equivalent to $81,383 in Tampa.
Category-by-Category Breakdown
Index values for Montgomery (left) vs Tampa (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in Montgomery versus Tampa. Differences shown from Montgomery perspective.
| Item | Montgomery | Tampa | Difference |
|---|---|---|---|
| 1-Bed Rent | $940/mo | $1,210/mo | $-270.00 |
| 2-Bed Rent | $1,240/mo | $1,700/mo | $-460.00 |
| 3-Bed Rent | $1,670/mo | $2,230/mo | $-560.00 |
| Bread (loaf) | $2.27 | $2.84 | $-0.57 |
| Milk (gallon) | $3.27 | $4.00 | $-0.73 |
| Eggs (dozen) | $2.73 | $3.89 | $-1.16 |
| Coffee (latte) | $5.14 | $6.15 | $-1.01 |
| Gas (gallon) | $3.27 | $3.34 | $-0.07 |
| Restaurant Meal | $16.09 | $18.85 | $-2.76 |
💰 Salary Equivalence
A $75,000 salary in Montgomery has the same purchasing power as $81,383 in Tampa.
Conversely, $75,000 in Tampa equals $69,118 in Montgomery.
💼 Take-Home Pay Comparison
Estimated annual take-home pay on a $75,000 salary after federal, FICA, and state income taxes.
The $3751 difference is driven by Alabama having a higher state income tax rate. Alabama details → · Florida details →
Reading These Numbers: Montgomery (94) vs Tampa (102)
Montgomery at 94 is 6% below the US average, while Tampa at 102 is 2% above average. The cost difference between these cities is relatively modest.
In Montgomery, the composite index of 94 reflects a weighted calculation where housing carries the most influence at 100, followed by groceries (86), utilities (80), transportation (89), and healthcare (95). Costs are fairly balanced across categories.
For renters: With median rents of $1,240/mo in Montgomery and $1,700/mo in Tampa, the annual rent difference is approximately $5,520.0. Over a 5-year period, that compounds to $27,600.0 in savings by choosing the more affordable city.
For homebuyers: The $11,000.0 difference in median home prices between Montgomery and Tampa translates to meaningful differences in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.
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Making Your Decision: Montgomery vs Tampa
Choosing between Montgomery and Tampa involves more than just comparing index numbers. Consider how each category aligns with your personal spending patterns. If you work from home, transportation costs matter less than housing and utilities. If you eat out frequently, the groceries index may understate your actual food spending — look at the restaurant meal prices in the detailed comparison table above instead.
Long-term affordability in Montgomery versus Tampa depends partly on cost trajectory. Cities experiencing rapid population growth tend to see costs rise faster than established metros where supply has caught up with demand. While our index captures current conditions, consider whether the city trending cheaper today might converge toward average over the next five to ten years as more people discover it. Our quarterly updates help track these shifts over time.