Is Phoenix, AZ cheaper than Bozeman, MT?

Based on cost of living data, Phoenix, AZ is 12.3% more expensive than Bozeman, MT. This translates to spending an extra $926 per month.

What salary do I need in Phoenix, AZ to live like I do in Bozeman, MT?

If you earn $150,000 in Bozeman, MT, you'd need approximately $161,109.486 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Bozeman, MT and Phoenix, AZ?

Housing in Phoenix, AZ is 19.6% more expensive than in Bozeman, MT. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,414/month in Bozeman, MT.

How much can I save per month by moving from Bozeman, MT to Phoenix, AZ?

Living in Phoenix, AZ costs approximately $926 more per month than Bozeman, MT, or $11109 more per year, based on a $150,000 salary.

Bozeman, MT vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Bozeman, MT — ZIP-level rent data · COL adjusted from Boise, ID area

Current salary in Bozeman, MT

Numbers update automatically as you type

You'd spend $926/month more in Phoenix, AZ

$150.0K in your current city equals $161.1K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 12.3%

More expensive

Monthly Impact

$926

Extra cost

Annual Impact

$11.1K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Bozeman, MT

Population:57K

Cost Index:100

Median Home:$834K

Phoenix, AZ

Population:1608K

Cost Index:112

Median Home:$414K

Bozeman, MT

The Treasure State

57K

Population

State Tax

Yes

Located in Montana, this city has a population of 57K residents.

Phoenix, AZ

The Grand Canyon State

1.6M

Population

State Tax

Yes

Climate

Hot desert

Notable Facts

•Fastest growing major city
•Desert metropolis
•Spring training capital

Major Industries

TechnologyHealthcareTourismManufacturing

Cost Breakdown by Category

Annual spending: Bozeman, MT vs Phoenix, AZ

Category	Bozeman, MT	Phoenix, AZ	Difference	Change
🏠Housing	$2,331/mo	$2,788/mo	↑ $458more	19.6%
🚗Transportation	$1,148/mo	$1,489/mo	↑ $341more	29.7%
📦Other	$1,538/mo	$1,677/mo	↑ $140more	9.1%
⚡All Utilities	$453/mo	$561/mo	↑ $108more	24.0%
🛒Groceries	$912/mo	$963/mo	↑ $51.66more	5.7%
🏥Healthcare	$600/mo	$589/mo	↓ $11.25less	1.9%

🏠Housing

↑ 19.6%

Bozeman, MT

$2,331

Phoenix, AZ

$2,788

Difference

$458

🚗Transportation

↑ 29.7%

Bozeman, MT

$1,148

Phoenix, AZ

$1,489

Difference

$341

📦Other

↑ 9.1%

Bozeman, MT

$1,538

Phoenix, AZ

$1,677

Difference

$140

⚡All Utilities

↑ 24.0%

Bozeman, MT

$453

Phoenix, AZ

$561

Difference

$108

🛒Groceries

↑ 5.7%

Bozeman, MT

$912

Phoenix, AZ

$963

Difference

$51.66

🏥Healthcare

↓ 1.9%

Bozeman, MT

$600

Phoenix, AZ

$589

Difference

$11.25

less

🏠Rent Comparison

Studio

From$972

To$1,390

↑ $418

1 Bed

From$1,083

To$1,510

↑ $427

2 Bed

From$1,414

To$1,750

↑ $336

3 Bed

From$1,967

To$2,330

↑ $363

Bozeman, MTZIP-level data

1BR range: $1,470–$1,470/mo

Phoenix, AZZIP-level data

1BR range: $1,300–$2,380/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$6,981

Monthly in Bozeman, MT

$8,068

Monthly in Phoenix, AZ

$1,087

Difference

Home Values

Bozeman

Phoenix

$834K

Median Value

$414K

↓ -1.7%

YoY Change

↓ -3.1%

↑ +34.5%

5-Year Change

↑ +30.2%

$834K

Price Range

$274K - $957K

Homes in Phoenix are 50% less expensive than Bozeman

Calculate payment - Bozeman Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $4.3K

Per year

Monthly Difference

$361

More take-home

Effective Rate Diff

2.9%

Rate difference

Bozeman, 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

Phoenix, AZ

Federal Income Tax

Effective: 18.9%

$25.5K

Arizona State Tax

Effective: 3.5%

$5.2K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 28.2%

$42.2K

Take-Home Pay

$8,979/month

$107.8K

Additional Tax Information

Bozeman, MT Tax Rates

Sales Tax:0.0%

Property Tax:0.8%

Phoenix, AZ Tax Rates

Sales Tax:8.5%

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.