Cost of Living: Irving, TX vs Billings, MT (2026)

Irving

Texas
102
VS

Billings

Montana
86

Irving is 19% more expensive than Billings.

$1,517/mo ↑ 38%
Median Rent
$1,097/mo ↓ 28%
$79,641/yr ↑ 11%
Median Income
$71,855/yr ↓ 10%
$287,300 ↓ 8%
Home Value
$311,800 ↑ 9%
$1,521/mo ↑ 29%
Owner Costs
$1,177/mo ↓ 23%
255,036
Population
118,321

Tax Comparison

0%
Income Tax
6.75%
6.25%
State Sales Tax
0%
1.6%
Property Tax
0.74%

Affordability

22.9%
rent-to-income
Affordability
18.3%
rent-to-income

Detailed Comparison

When comparing Irving, TX and Billings, MT, the overall cost of living indices are 102 and 86 respectively (national median = 100). Rent is $420/month cheaper in Billings, saving renters about $5,040/year.

Median household income is $7,786/year higher in Irving. Home values also differ significantly — the median in Irving is $287,300 compared to $311,800 in Billings.

Texas has no state income tax, giving Irving residents a significant tax advantage over Montana's 6.75% rate.

Frequently Asked Questions

Irving vs Billings — common questions

Is Irving or Billings cheaper to live in?
Based on our cost index, Billings is cheaper to live in with an index of 86 compared to 102 (US average = 100).
What is the rent difference between Irving and Billings?
Median rent in Irving is $1,517/month and in Billings it's $1,097/month — a difference of $420/month.
Which city has higher income, Irving or Billings?
Median household income is $79,641 in Irving and $71,855 in Billings. Median household income is $7,786/year higher in Irving.
How do taxes compare between Texas and Montana?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. Montana has 6.75% income tax, 0% sales tax, and 0.74% property tax.
Should I move to Irving or Billings?
It depends on your priorities. Irving has a cost index of 102 with median rent of $1,517/mo, while Billings has a cost index of 86 with rent of $1,097/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Irving details → View Billings details →

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