Wilton, IA vs Montgomery City, MO: Cost of Living

Which city costs less?

Montgomery City, MO has a modeled overall cost index 3.2% lower than Wilton, IA.

Wilton, IA · modeled 2BR rent
$930 / month
Montgomery City, MO · modeled 2BR rent
$900 / 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 Wilton, IA and Montgomery City, MO 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

$
Numbers update automatically as you type

Estimated savings: $389/month in Montgomery City, MO

$150,000 in your current city has a modeled equivalent of $145,333 in Montgomery City, MO

Regional cost estimates: Wilton, IA uses Madison, WI. Montgomery City, MO uses St. Louis, MO. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 3.2%
Less expensive
Monthly Impact
$389
Savings
Annual Impact
$4.7K
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.

Wilton, IA

Population:3K
Cost Index:
79.3
100 = national average
Typical Home:$217K

Montgomery City, MO

Population:3K
Cost Index:
76.8
100 = national average
Typical Home:$224K

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Wilton, IA

The Hawkeye State

3K
Population
State Tax
Yes

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

Montgomery City, MO

The Show-Me State

3K
Population
State Tax
Yes

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

Cost Breakdown by Category

Estimated monthly spending: Wilton, IA vs Montgomery City, MO

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
↓ 20.6%
Wilton, IA
$2,270
Montgomery City, MO
$1,801
Difference
$468
less
Healthcare
↓ 20.8%
Wilton, IA
$757
Montgomery City, MO
$600
Difference
$157
less
Other
↑ 4.8%
Wilton, IA
$1,640
Montgomery City, MO
$1,719
Difference
$79.34
more
All Utilities
↑ 13.9%
Wilton, IA
$535
Montgomery City, MO
$610
Difference
$74.44
more
Groceries
↑ 7.0%
Wilton, IA
$1,010
Montgomery City, MO
$1,081
Difference
$70.43
more
Transportation
↑ 1.0%
Wilton, IA
$1,288
Montgomery City, MO
$1,301
Difference
$12.48
more

🏠Rent Comparison

Studio
From$690
To$690
→ $0
1 Bed
From$730
To$690
↓ $40.00
2 Bed
From$930
To$900
↓ $30.00
3 Bed
From$1,210
To$1,210
→ $0
Wilton, IAZIP-level data

1BR range: $730–$730/mo

Montgomery City, MOZIP-level data

1BR range: $690–$690/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 Wilton, IA
$7,111
Monthly in Montgomery City, MO
$389
Difference

Home Values

Wilton
Montgomery City
$217K
Median Value
$224K
↑ +5.8%
YoY Change
↑ +8.6%
↑ +31.4%
5-Year Change
↑ +35.3%

Homes in Montgomery City are 3% more expensive than Wilton

Calculate payment - WiltonCalculate payment - Montgomery City

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $2.8K
Per year
Monthly Difference
$231
More take-home
Effective Rate Diff
1.8%
Rate difference

Wilton, IA

Federal Income Tax
Effective: 18.9%
$25.5K
Iowa State Tax
Effective: 7.1%
$10.7K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.7K
Take-Home Pay
$8,524/month
$102.3K

Montgomery City, MO

Federal Income Tax
Effective: 18.9%
$25.5K
Missouri State Tax
Effective: 5.3%
$7.9K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.0%
$44.9K
Take-Home Pay
$8,755/month
$105.1K

Additional Tax Information

Wilton, IA Tax Rates

Sales Tax:7.4%
Property Tax:1.5%

Montgomery City, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

💡 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

Wilton
Montgomery City
42 Good
Air Quality
54 Moderate
72.1%
Good Air Days
38%
94 Moderate
Climate Risk
99 High
🌊🌪💨
Top Hazards
🌊🌡🫨
▲+3.4°F
2050 Outlook
▲+3.0°F
10 days
Heat Days >95°F
39 days
▲+3.4°F
2050 Outlook
▲+3.0°F
10 days
Heat Days >95°F
39 days

Before moving from Wilton, IA to Montgomery City, MO

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

  1. Compare actual homes. Get current quotes in Montgomery City, MO for the same bedroom count and included utilities as your home in Wilton, IA. 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 Wilton to Montgomery City moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Montgomery City, MO by cost, housing, population and region.

Frequently Asked Questions: Wilton, IA vs Montgomery City, MO

How do the cost estimates for Wilton, IA and Montgomery City, MO compare?

Montgomery City, MO has a modeled overall cost index 3.2% lower than Wilton, IA. 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 Wilton, IA, the model estimates $145,333 in Montgomery City, MO. 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 Wilton, IA and Montgomery City, MO?

The modeled two-bedroom rents are $930/month in Wilton, IA and $900/month in Montgomery City, MO. 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 Iowa and Missouri on TaxTakeHome.com

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