Moving from Hawaii to Montana
Moving to Montana on the same salary raises your real buying power by 19.3%. Change the salary below to see your own numbers.
The salary comparison above is for W-2 earnings. Your retirement income and budget results appear in the calculator below.
State-median gross rent (2024 ACS): $1,942/month in Hawaii and $1,177/month in Montana. These are state benchmarks, not current rental quotes or your own housing costs. Compare your salary offer, housing and moving-cost recovery using the personal-budget option in the calculator.
Equal salary in MT: $81,300
To keep the same lifestyle, you need about $81,300 in Montana to match $100,000 in Hawaii ($18,700 less), after 2026 taxes and local prices.
Single filer, W-2 salary, standard deduction.
The renter figure uses ACS gross rent, which includes tenant-paid electricity, gas, water/sewer and fuels. The buyer figure adds electricity separately to mortgage, property tax and insurance. Food, transport, healthcare, other spending and one-time moving costs are excluded. These are selected-cost changes, not total savings. State medians may differ from your neighborhood and current quotes.
| Tax on $100,000 | Hawaii | Montana |
|---|---|---|
| Federal income tax | $13,170 | $13,170 |
| Social Security + Medicare | $7,650 | $7,650 |
| State income tax | $5,796 | $4,289 |
| State payroll programs (UI, disability, paid leave, transit) | $390 | $0 |
| Take-home pay | $72,994 | $74,891 |
Key facts: Hawaii to Montana
- Median rent
- $1,942 → $1,177/mo
- Median home value
- $875,900 → $425,400
- Price level (U.S. = 100)
- 110.0 → 94.6
- Natural hazard risk (FEMA)
- Very high county-score mean → High county-score mean
What changes when you move to Montana
- Your state taxes fall by about $1,897 a year on the same $100,000 salary.
- BEA's housing rents price index is 32% lower in Montana. Median rent goes from $1,942 to $1,177 a month and the median home value from $875,900 to $425,400.
- Homeowners pay more property tax: the median bill is $2,939 in Montana vs $2,385 in Hawaii.
- The average home electric bill is $111 a month in Montana vs $208 in Hawaii (EIA 2025), about $1,165 a year less.
- Prices for everyday goods are 14% lower (BEA). Hawaii's 4% base general excise tax is a tax on businesses, not a retail sales tax; county surcharges and any customer pass-on are separate. Montana's statewide sales tax rate is 0% before local sales taxes.
Who moves from Hawaii to Montana
In the latest IRS migration data (2022–2023), 137 households (231 people) filed their taxes in Montana after filing in Hawaii the year before. That makes Montana the #38 destination for people leaving Hawaii. These households reported an average adjusted gross income of $78,883. Going the other way, 115 households moved from Montana to Hawaii, a net gain of 22 households for Montana.
Five-year trend
Moves from Hawaii to Montana peaked in 2020–21 at 152 households, then fell 10% by 2022–23. That is still up 26% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Hawaii to Montana
Ocean freight: from $4,830
Moving from Hawaii to Montana goes by sea. Ocean freight alone for a 2–3 bedroom home runs about $4,830 to $8,580; trucking to and from the ports and the loading are extra.
These are published prices for a 2–3 bedroom home, dated in each row, not quotes for your move. Ocean freight changes with fuel surcharges and sailing schedules, so get at least three written quotes.
| Moving method | Published range |
|---|---|
| Moving container, door to door We found no published price for this route and home size. | Get quotes |
| Shipping container you load, port to port Matson's published household-goods rates (from June 1, 2026, with its 14% fuel surcharge): 20-ft container from Honolulu to a West Coast port, up to 40-ft via its Salt Lake City, UT rail ramp, the nearest to Montana. Add trucking and loading. | $4,830 – $8,580 |
| Full-service movers We found no published price for this route and home size. | Get quotes |
Port-to-port rows cover the ocean leg only: add trucking to and from the ports, loading and unloading. Honolulu prices: moves to or from Maui, Kauai or the Big Island cost more.
Ranges combine 198 published quote ranges on 22 interstate routes (moveBuddha, retrieved 2026-09-24) with 47 independent published prices from U-Pack, HireAHelper and Move.org, which raised the top of several ranges. They are not quotes; get at least three written estimates.
Alaska and Hawaii ranges come from published carrier rates and moving quotes, dated in each row (Matson's household-goods rates, U-Pack, Royal Hawaiian Movers). See how we estimate.
Shipping a car from Hawaii to Montana
Car shipping: $2,000–$2,800
Modeled reverse-route proxy for shipping a sedan from Hawaii to Montana by ocean carrier is about $2,000–$2,800, typically 2–5 weeks in transit. This estimate reuses published mainland-to-Hawaii or mainland-to-Alaska prices; we have not separately sourced prices for this reverse direction. Actual quotes can differ.
Modeled from 32 published 2026 route prices (SGT Auto Transport 'Ship a Car to Another State' sample routes, SGT Auto Transport cost calculator sample routes) plus published mainland-to-Hawaii and mainland-to-Alaska prices. Reverse ocean routes reuse those inbound prices as a proxy, not a separately sourced price for that direction. The 25% SUV and 35% enclosed-carrier uplifts are model assumptions; ocean carrier packages and vehicle charges can differ. Not a quote.
Hawaii vs Montana take-home pay at every salary
| Salary | Equal salary in MT | Take-home change | Take-home in HI | Take-home in MT |
|---|---|---|---|---|
| $50,000 | $41,700 | +$682 | $40,080 | $40,762 |
| $75,000 | $61,300 | +$1,395 | $57,321 | $58,716 |
| $100,000 | $81,300 | +$1,897 | $72,994 | $74,891 |
| $150,000 | $122,200 | +$2,920 | $103,757 | $106,677 |
| $250,000 | $204,200 | +$5,519 | $164,899 | $170,418 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
Cost of living: Hawaii vs Montana
| Measure | Hawaii | Montana |
|---|---|---|
| Overall price level (U.S. = 100) | 110.0 | 94.6 |
| Housing rents price index | 125.3 | 84.6 |
| Utilities price index | 190.2 | 72.3 |
| Goods price index | 111.6 | 96.0 |
| Median rent (monthly) | $1,942 | $1,177 |
| Median home value | $875,900 | $425,400 |
| Median property tax (yearly) | $2,385 | $2,939 |
| Electricity (residential) | 52.72¢/kWh | 15.14¢/kWh |
| State sales tax / Hawaii base GET | 4% GET | 0% |
| Median household income | $100,745 | $75,340 |
Hawaii's general excise tax (GET) is imposed on businesses, rather than customers. The table shows its 4% state base for ordinary retail and services, before the 0.5% county surcharge. A business may pass the tax on to customers; that charge can differ from the base rate. These taxes are not added to the calculator's selected-cost totals.
Renting and buying: Hawaii vs Montana
| Measure | Hawaii | Montana |
|---|---|---|
| Income to rent the median home (30% rule) | $77,680 | $47,080 |
| Monthly cost to own the median home (20% down) | $5,099 | $2,699 |
| Income needed to buy the median home | $218,513 | $115,669 |
| Homeowners insurance (yearly median, homes with a mortgage) | $1,494 | $1,617 |
| Infant child care (center, yearly) | $25,096 | $15,476 |
Mortgage at the Freddie Mac 30-year average with 20% down, plus the median property tax and the median homeowners insurance that owners with a mortgage paid in 2024 (Census ACS). Premiums have risen in most states since then, so get quotes. See buying a home in Montana for other down payments.
Your yearly budget: Hawaii vs Montana
On a $100,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $60,406 a year in Hawaii and $50,607 in Montana if you rent: $9,799 less after the move. If you buy the median home, those selected costs use mortgage, property tax, homeowners insurance and electricity instead of gross rent; they come to $100,781 and $70,200 ($30,581 less).
Your yearly budget, before vs after
| Yearly cost | HI | MT | Change |
|---|---|---|---|
| Income and payroll taxes on $100,000, single filer | $27,006 | $25,109 | -$1,897 |
| Car insurance one car, state average | $888 | $975 | +$87 |
| Gas 12,000 miles at 25 mpg | $2,716 | $2,095 | -$621 |
| Health insurance one adult, age 40, own plan before subsidies | $6,492 | $8,304 | +$1,812 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $23,304 | $14,124 | -$9,180 |
| Total if you rent | $60,406 | $50,607 | -$9,799 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $57,305 | $27,831 | -$29,474 |
| Property tax median home | $2,385 | $2,939 | +$554 |
| Homeowners insurance state median, with a mortgage | $1,494 | $1,617 | +$123 |
| Electricity state average bill | $2,495 | $1,330 | -$1,165 |
| Total if you buy | $100,781 | $70,200 | -$30,581 |
Taxes: 2026 federal and state rules, standard deduction. Rent, home value and property tax: Census ACS 2024 state medians. Gross rent includes tenant-paid electricity, gas, water/sewer and fuels; those basic utilities are not added again. Mortgage: Freddie Mac 30-year average (7.24%, week of October 29, 2026).
State figures: EIA 2025 average residential power bill (buyers only), NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on October 29, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $25,096 a year in Hawaii and $15,476 in Montana (Child Care Aware of America, 2025 (2024 fallback for Colorado, Washington, DC and South Carolina) state averages).
Cost of living in Montana cities: Billings.
After you arrive in Montana
- Montana new resident checklist: driver license and vehicle registration deadlines.
- Taxes the year you move: part-year returns in Hawaii and Montana.
- How Montana taxes retirement income.
Frequently asked questions
How much salary do I need in Montana to live like I do in Hawaii?
A $100,000 salary in Hawaii works out to about $81,300 in Montana once 2026 federal and state taxes and BEA regional price levels are counted.
Will I pay less tax in Montana than in Hawaii?
Yes, about $1,897 less a year in income and payroll taxes on a $100,000 salary (27.0% of pay in Hawaii vs 25.1% in Montana). Property and sales taxes are shown separately.
How much does it cost to move from Hawaii to Montana?
For a 2–3 bedroom home, published prices are shipping container you load, port to port: $4,830 – $8,580 (Matson rates from June 1, 2026). Port-to-port freight leaves out trucking to and from the ports and the loading. Prices change with fuel surcharges and sailing schedules, so get at least three written quotes.
Are more people moving from Hawaii to Montana?
Moves from Hawaii to Montana peaked in 2020–21 at 152 households, then fell 10% by 2022–23. That is still up 26% from 2018–19.
How many people move from Hawaii to Montana?
IRS migration data for 2022–2023 show 137 households (231 people) moved from Hawaii to Montana, making Montana the #38 destination for people leaving Hawaii. 115 households moved the other way.
Is Montana cheaper than Hawaii?
Overall prices in Montana are 14.0% lower than Hawaii (BEA Regional Price Parities 2024). Median rent is $1,177 vs $1,942 a month.
Compare other moves
Where people from Hawaii actually move
- HI to California 5,048 households
- HI to Washington 2,451 households
- HI to Texas 2,381 households
- HI to Nevada 1,863 households
- HI to Florida 1,553 households
- HI to Virginia 1,169 households
- HI to Colorado 1,159 households
- HI to Oregon 999 households
State-agency links identify the responsible tax office; they do not verify every modeled rule. Use forms and guidance for the year you are filing.