Montgomery vs Warwick
Cost of Living Comparison · 2026
Montgomery
Warwick
The Verdict
Montgomery is 25.5% less expensive than Warwick overall. A household earning $75,000 in Montgomery would need approximately $100,633 in Warwick 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 $100,633 in Warwick.
Conversely, $75,000 in Warwick equals $55,896 in Montgomery.
Living in Montgomery vs Warwick
Housing Costs
Montgomery's housing index of 49 is lower Warwick's 127, 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 $1,425/mo in Warwick, a monthly difference of $425.
Grocery & Food Costs
Grocery expenses index at 99 in Montgomery and 102 in Warwick. A household spending the national average of $475/month on groceries would pay approximately $470/month in Montgomery vs $485/month in Warwick. 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 112 in Warwick. Monthly utility bills average approximately $460 in Montgomery vs $448 in Warwick. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 78 in Montgomery and 103 in Warwick. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 25-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 $74,600 in Warwick. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $71,899 and $70,377 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 $1,741/month in Warwick. In Montgomery, median rent of $1,000/mo fits within this budget. In Warwick, median rent of $1,425/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 78 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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