Cost of Living: Irving, TX vs Montgomery, AL (2026)

Irving

Texas
102
VS

Montgomery

Alabama
64

Irving is 59% more expensive than Montgomery.

$1,517/mo ↑ 43%
Median Rent
$1,059/mo ↓ 30%
$79,641/yr ↑ 43%
Median Income
$55,687/yr ↓ 30%
$287,300 ↑ 93%
Home Value
$148,500 ↓ 48%
$1,521/mo ↑ 49%
Owner Costs
$1,023/mo ↓ 33%
255,036
Population
198,440

Tax Comparison

0%
Income Tax
5.0%
6.25%
State Sales Tax
4.0%
1.6%
Property Tax
0.41%

Affordability

22.9%
rent-to-income
Affordability
22.8%
rent-to-income

Detailed Comparison

When comparing Irving, TX and Montgomery, AL, the overall cost of living indices are 102 and 64 respectively (national median = 100). Rent is $458/month cheaper in Montgomery, saving renters about $5,496/year.

Median household income is $23,954/year higher in Irving. Home values also differ significantly — the median in Irving is $287,300 compared to $148,500 in Montgomery.

Texas has no state income tax, giving Irving residents a significant tax advantage over Alabama's 5.0% rate.

Frequently Asked Questions

Irving vs Montgomery — common questions

Is Irving or Montgomery cheaper to live in?
Based on our cost index, Montgomery is cheaper to live in with an index of 64 compared to 102 (US average = 100).
What is the rent difference between Irving and Montgomery?
Median rent in Irving is $1,517/month and in Montgomery it's $1,059/month — a difference of $458/month.
Which city has higher income, Irving or Montgomery?
Median household income is $79,641 in Irving and $55,687 in Montgomery. Median household income is $23,954/year higher in Irving.
How do taxes compare between Texas and Alabama?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. Alabama has 5.0% income tax, 4.0% sales tax, and 0.41% property tax.
Should I move to Irving or Montgomery?
It depends on your priorities. Irving has a cost index of 102 with median rent of $1,517/mo, while Montgomery has a cost index of 64 with rent of $1,059/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Irving details → View Montgomery details →

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