Red Lodge, MT vs Garland, UT: Cost of Living

Which city costs less?

Garland, UT has a modeled overall cost index 5.0% higher than Red Lodge, MT.

Red Lodge, MT · modeled 2BR rent
$1,240 / month
Garland, UT · modeled 2BR rent
$1,060 / 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 Red Lodge, MT and Garland, 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: $320/month in Garland, UT

$150,000 in your current city has a modeled equivalent of $153,839 in Garland, UT

Regional cost estimates: Red Lodge, MT uses Boise, ID. Garland, UT uses Boise, ID. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 5.0%
More expensive
Monthly Impact
$320
Extra cost
Annual Impact
$3.8K
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.

Red Lodge, MT

Population:3K
Cost Index:
72.1
100 = national average
Typical Home:$490K

Garland, UT

Population:3K
Cost Index:
75.7
100 = national average
Typical Home:$423K

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Red Lodge, MT

The Treasure State

3K
Population
State Tax
Yes

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

Garland, UT

The Beehive State

3K
Population
State Tax
Yes

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

Cost Breakdown by Category

Estimated monthly spending: Red Lodge, MT vs Garland, 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.

Housing
↑ 5.0%
Red Lodge, MT
$2,417
Garland, UT
$2,539
Difference
$122
more
Other
↑ 5.0%
Red Lodge, MT
$1,594
Garland, UT
$1,675
Difference
$80.49
more
Transportation
↑ 5.0%
Red Lodge, MT
$1,191
Garland, UT
$1,251
Difference
$60.10
more
Groceries
↑ 2.5%
Red Lodge, MT
$1,067
Garland, UT
$1,093
Difference
$26.60
more
Healthcare
↑ 2.5%
Red Lodge, MT
$702
Garland, UT
$719
Difference
$17.50
more
All Utilities
↑ 2.5%
Red Lodge, MT
$530
Garland, UT
$543
Difference
$13.21
more

🏠Rent Comparison

Studio
From$920
To$830
↓ $90.00
1 Bed
From$960
To$860
↓ $100
2 Bed
From$1,240
To$1,060
↓ $180
3 Bed
From$1,700
To$1,480
↓ $220
Red Lodge, MTZIP-level data

1BR range: $960–$960/mo

Garland, UTZIP-level data

1BR range: $860–$860/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 Red Lodge, MT
$7,820
Monthly in Garland, UT
$320
Difference

Home Values

Red Lodge
Garland
$490K
Median Value
$423K
↑ +4.8%
YoY Change
↑ +3%
↑ +62.1%
5-Year Change
↑ +41.1%

Homes in Garland are 14% less expensive than Red Lodge

Calculate payment - Red LodgeCalculate payment - Garland

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

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

Garland, 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

Red Lodge, MT Tax Rates

Sales Tax:0.0%
Property Tax:0.8%

Garland, 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

Red Lodge
Garland
44 Good
Air Quality
44 Good
62.8%
Good Air Days
62.8%
88 Moderate
Climate Risk
88 Moderate
🔥💨
Top Hazards
🔥💨
▲+3.3°F
2050 Outlook
▲+3.3°F
49 days
Heat Days >95°F
49 days
▲+3.3°F
2050 Outlook
▲+3.3°F
49 days
Heat Days >95°F
49 days

Before moving from Red Lodge, MT to Garland, 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 Garland, UT for the same bedroom count and included utilities as your home in Red Lodge, 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 Red Lodge to Garland moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Red Lodge, MT vs Garland, UT

How do the cost estimates for Red Lodge, MT and Garland, UT compare?

Garland, UT has a modeled overall cost index 5.0% higher than Red Lodge, 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 Red Lodge, MT, the model estimates $153,839 in Garland, 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 Red Lodge, MT and Garland, UT?

The modeled two-bedroom rents are $1,240/month in Red Lodge, MT and $1,060/month in Garland, 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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