Montpelier vs Rapid City
Cost of Living Comparison · 2026
Montpelier
Rapid City
The Verdict
Rapid City is 19.4% less expensive than Montpelier overall. A household earning $75,000 in Montpelier would need approximately $62,821 in Rapid City 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 Montpelier has the same purchasing power as $62,821 in Rapid City.
Conversely, $75,000 in Rapid City equals $89,541 in Montpelier.
Living in Montpelier vs Rapid City
Housing Costs
Montpelier's housing index of 131 is higher Rapid City's 91, translating to median home prices of $375,000 vs $325,000. The $50,000 difference in home prices means roughly $3,252 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,400/mo in Montpelier compared to $1,100/mo in Rapid City, a monthly difference of $300.
Grocery & Food Costs
Grocery expenses index at 104 in Montpelier and 102 in Rapid City. A household spending the national average of $475/month on groceries would pay approximately $494/month in Montpelier vs $485/month in Rapid City. 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 123 in Montpelier and 87 in Rapid City. Monthly utility bills average approximately $492 in Montpelier vs $348 in Rapid City. 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 107 in Montpelier and 107 in Rapid City. 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 $82,600 in Montpelier and $70,900 in Rapid City. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $70,598 and $72,347 respectively. Rapid City residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,927/month to housing in Montpelier vs $1,654/month in Rapid City. In Montpelier, median rent of $1,400/mo fits within this budget. In Rapid City, median rent of $1,100/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 40 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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