Montana City, MT vs Philipsburg, MT

The cost of living difference between Montana City, MT and Philipsburg, MT is dramatic. Philipsburg is 32.6% cheaper than Montana City, a gap that translates to thousands of dollars per year in household expenses. Montana City has a cost index of 111 while Philipsburg sits at 84, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Montana City is $1,206/month compared to $871/month in Philipsburg — a 39% difference. Home values follow the same pattern: Philipsburg is more affordable at $304,200 median vs $519,100.

Median household income in Montana City is $125,223 compared to $40,096 in Philipsburg (+212.3%). While Montana City is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Montana City spend roughly 11.6% of their income on rent, less than the 26.1% in Philipsburg.

Climate-wise, both cities share similar average temperatures (45.5°F vs 43°F). Philipsburg receives more rainfall at 12.1" per year compared to 11.4" in Montana City.