Baker, MT vs Milford, UT: Cost of Living

Which city costs less?

Milford, UT has a modeled overall cost index 12.9% higher than Baker, MT.

Baker, MT · modeled 2BR rent
$1,430 / month
Milford, UT · modeled 2BR rent
$1,130 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Baker, MT and Milford, UT using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

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Numbers update automatically as you type

Estimated extra cost: $1,065/month in Milford, UT

$150,000 in your current city has a modeled equivalent of $162,775 in Milford, UT

Regional cost estimates: Baker, MT uses Denver, CO. Milford, UT uses North Las Vegas, NV. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 12.9%
More expensive
Monthly Impact
$1,065
Extra cost
Annual Impact
$12.8K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Baker, MT

Population:2K
Cost Index:
64.1
100 = national average
Typical Home:$175K

Milford, UT

Population:1K
Cost Index:
72.4
100 = national average
Typical Home:$206K

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Baker, MT

The Treasure State

2K
Population
State Tax
Yes

Located in Montana, this city has a population of 2K residents.

Milford, UT

The Beehive State

1K
Population
State Tax
Yes

Located in Utah, this city has a population of 1K residents.

Cost Breakdown by Category

Estimated monthly spending: Baker, MT vs Milford, UT

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Transportation
↑ 27.3%
Baker, MT
$1,216
Milford, UT
$1,548
Difference
$332
more
Housing
↑ 10.9%
Baker, MT
$2,432
Milford, UT
$2,697
Difference
$265
more
Other
↑ 16.0%
Baker, MT
$1,476
Milford, UT
$1,712
Difference
$236
more
Groceries
↑ 10.9%
Baker, MT
$1,121
Milford, UT
$1,243
Difference
$122
more
Healthcare
↑ 9.8%
Baker, MT
$689
Milford, UT
$756
Difference
$67.42
more
All Utilities
↑ 7.5%
Baker, MT
$566
Milford, UT
$608
Difference
$42.30
more

🏠Rent Comparison

Studio
From$1,070
To$830
↓ $240
1 Bed
From$1,120
To$940
↓ $180
2 Bed
From$1,430
To$1,130
↓ $300
3 Bed
From$1,960
To$1,400
↓ $560
Baker, MTZIP-level data

1BR range: $1,120–$1,120/mo

Milford, UTZIP-level data

1BR range: $940–$940/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Baker, MT
$8,565
Monthly in Milford, UT
$1,065
Difference

Home Values

Baker
Milford
$175K
Median Value
$206K
↑ +4.3%
YoY Change
↑ +8.4%
↑ +12%
5-Year Change
N/A

Homes in Milford are 18% more expensive than Baker

Calculate payment - BakerCalculate payment - Milford

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $2.3K
Per year
Monthly Difference
$191
More take-home
Effective Rate Diff
1.5%
Rate difference

Baker, MT

Federal Income Tax
Effective: 18.9%
$25.5K
Montana State Tax
Effective: 6.4%
$9.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.1%
$46.6K
Take-Home Pay
$8,618/month
$103.4K

Milford, UT

Federal Income Tax
Effective: 18.9%
$25.5K
Utah State Tax
Effective: 4.9%
$7.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.5%
$44.3K
Take-Home Pay
$8,809/month
$105.7K

Additional Tax Information

Baker, MT Tax Rates

Sales Tax:0.0%
Property Tax:0.8%

Milford, UT Tax Rates

Sales Tax:7.4%
Property Tax:0.6%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Baker
Milford
55 Moderate
Air Quality
64 Moderate
35.2%
Good Air Days
24.6%
95 High
Climate Risk
100 Very High
🌊🌪💨
Top Hazards
🔥🌊🌡
▲+3.3°F
2050 Outlook
▲+2.7°F
28 days
Heat Days >95°F
144 days
▲+3.3°F
2050 Outlook
▲+2.7°F
28 days
Heat Days >95°F
144 days

Before moving from Baker, MT to Milford, UT

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Milford, UT for the same bedroom count and included utilities as your home in Baker, MT. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Baker to Milford moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Milford, UT by cost, housing, population and region.

Frequently Asked Questions: Baker, MT vs Milford, UT

How do the cost estimates for Baker, MT and Milford, UT compare?

Milford, UT has a modeled overall cost index 12.9% higher than Baker, MT. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Baker, MT, the model estimates $162,775 in Milford, UT. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Baker, MT and Milford, UT?

The modeled two-bedroom rents are $1,430/month in Baker, MT and $1,130/month in Milford, UT. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Montana and Utah on TaxTakeHome.com

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