Bonners Ferry, ID vs Red Lodge, MT: Cost of Living

Which city costs less?

Red Lodge, MT has a modeled overall cost index 12.7% lower than Bonners Ferry, ID.

Bonners Ferry, ID · modeled 2BR rent: $1,000 / month
Red Lodge, MT · modeled 2BR rent: $1,240 / 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 Bonners Ferry, ID and Red Lodge, MT 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

Current salary in Bonners Ferry, ID

Numbers update automatically as you type

Estimated savings: $1,438/month in Red Lodge, MT

$150,000 in your current city has a modeled equivalent of $132,750 in Red Lodge, MT

Regional cost estimates: Bonners Ferry, ID uses Spokane, WA. Red Lodge, MT uses Boise, ID. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 12.7%

Less expensive

Monthly Impact

$1,438

Savings

Annual Impact

$17.3K

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.

Bonners Ferry, ID

Population:3K

Cost Index:

82.6

100 = national average

Typical Home:$445K

Red Lodge, MT

Population:3K

Cost Index:

72.1

100 = national average

Typical Home:$490K

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Bonners Ferry, ID

The Gem State

Population

State Tax

Yes

Located in Idaho, this city has a population of 3K residents.

Red Lodge, MT

The Treasure State

Population

State Tax

Yes

Located in Montana, this city has a population of 3K residents.

Cost Breakdown by Category

Estimated monthly spending: Bonners Ferry, ID vs Red Lodge, MT

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.

Category	Bonners Ferry, ID	Red Lodge, MT	Difference	Change
Transportation	$1,763/mo	$962/mo	↓ $801less	45.4%
Healthcare	$820/mo	$567/mo	↓ $253less	30.8%
Groceries	$1,075/mo	$862/mo	↓ $212less	19.8%
Other	$1,430/mo	$1,289/mo	↓ $141less	9.9%
All Utilities	$479/mo	$428/mo	↓ $50.54less	10.6%
Housing	$1,933/mo	$1,953/mo	↑ $20.52more	1.1%

Transportation

↓ 45.4%

Bonners Ferry, ID

$1,763

Red Lodge, MT

$962

Difference

$801

less

Healthcare

↓ 30.8%

Bonners Ferry, ID

$820

Red Lodge, MT

$567

Difference

$253

less

Groceries

↓ 19.8%

Bonners Ferry, ID

$1,075

Red Lodge, MT

$862

Difference

$212

less

Other

↓ 9.9%

Bonners Ferry, ID

$1,430

Red Lodge, MT

$1,289

Difference

$141

less

All Utilities

↓ 10.6%

Bonners Ferry, ID

$479

Red Lodge, MT

$428

Difference

$50.54

less

Housing

↑ 1.1%

Bonners Ferry, ID

$1,933

Red Lodge, MT

$1,953

Difference

$20.52

🏠Rent Comparison

Studio

From$760

To$920

↑ $160

1 Bed

From$760

To$960

↑ $200

2 Bed

From$1,000

To$1,240

↑ $240

3 Bed

From$1,390

To$1,700

↑ $310

Bonners Ferry, IDZIP-level data

1BR range: $760–$760/mo

Red Lodge, MTZIP-level data

1BR range: $960–$960/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 Bonners Ferry, ID

$6,062

Monthly in Red Lodge, MT

$1,438

Difference

Home Values

Bonners Ferry

Red Lodge

$445K

Median Value

$490K

↑ +3.1%

YoY Change

↑ +4.8%

↑ +42.1%

5-Year Change

↑ +62.1%

Homes in Red Lodge are 10% more expensive than Bonners Ferry

Calculate payment - Bonners Ferry Calculate payment - Red Lodge

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $6.7K

Per year

Monthly Difference

$556

More take-home

Effective Rate Diff

4.4%

Rate difference

Bonners Ferry, ID

Federal Income Tax

Effective: 18.9%

$25.5K

Idaho State Tax

Effective: 10.8%

$16.2K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 35.5%

$53.3K

Take-Home Pay

$8,062/month

$96.7K

Red Lodge, 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

Additional Tax Information

Bonners Ferry, ID Tax Rates

Sales Tax:6.3%

Property Tax:0.7%

Red Lodge, MT Tax Rates

Sales Tax:0.0%

Property Tax:0.8%

💡 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

Bonners Ferry

Red Lodge

38 Good

Air Quality

44 Good

76.5%

Good Air Days

62.8%

90 Moderate

Climate Risk

88 Moderate

💨

Top Hazards

🔥💨

▲+3.0°F

2050 Outlook

▲+3.3°F

23 days

Heat Days >95°F

49 days

▲+3.0°F

2050 Outlook

▲+3.3°F

23 days

Heat Days >95°F

49 days

Before moving from Bonners Ferry, ID to Red Lodge, MT

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

Compare actual homes. Get current quotes in Red Lodge, MT for the same bedroom count and included utilities as your home in Bonners Ferry, ID. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
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.
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.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Bonners Ferry to Red Lodge moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Red Lodge, MT by cost, housing, population and region.

Frequently Asked Questions: Bonners Ferry, ID vs Red Lodge, MT

How do the cost estimates for Bonners Ferry, ID and Red Lodge, MT compare?

Red Lodge, MT has a modeled overall cost index 12.7% lower than Bonners Ferry, ID. 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 Bonners Ferry, ID, the model estimates $132,750 in Red Lodge, MT. 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 Bonners Ferry, ID and Red Lodge, MT?

The modeled two-bedroom rents are $1,000/month in Bonners Ferry, ID and $1,240/month in Red Lodge, MT. 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 Idaho and Montana on TaxTakeHome.com

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