Moving from Texas to Montana
Moving to Montana on the same salary slightly lowers your real buying power (-2.3%); you'd need about $82,300 to break even. Change the salary below to see your own numbers.
Equal salary in MT: $82,300
To keep the same lifestyle, you need about $82,300 in Montana to match $80,000 in Texas ($2,300 more), after 2026 taxes and local prices.
Single filer, W-2 salary, standard deduction.
These changes cover taxes, housing and electricity. Food, transport, healthcare, other spending and one-time moving costs are excluded. They are not total savings. State medians may differ from your neighborhood and current quotes.
| Tax on $80,000 | Texas | Montana |
|---|---|---|
| Federal income tax | $8,770 | $8,770 |
| Social Security + Medicare | $6,120 | $6,120 |
| State income tax | $0 | $3,159 |
| State payroll programs (UI, disability, paid leave, transit) | $0 | $0 |
| Take-home pay | $65,110 | $61,951 |
Key facts: Texas to Montana
- Median rent
- $1,475 → $1,177/mo
- Median home value
- $313,200 → $425,400
- Price level (U.S. = 100)
- 97.1 → 94.6
- Road distance
- ≈ 1,550 miles
- Natural hazard risk (FEMA)
- Among the highest → Above average
What changes when you move to Montana
- Texas has no state income tax on wages; Montana does. At $80,000 expect about $3,159 a year in Montana income tax.
- BEA's housing price index is 12% lower in Montana. Median rent goes from $1,475 to $1,177 a month and the median home value from $313,200 to $425,400.
- Homeowners pay less property tax: the median bill is $2,939 in Montana vs $4,108 in Texas.
- The average home electric bill is $108 a month in Montana vs $164 in Texas (EIA 2024), about $670 a year less.
- Prices for everyday goods are 2% lower (BEA). The statewide sales tax rate is 0% in Montana vs 6.25% in Texas, before local sales taxes.
Who moves from Texas to Montana
In the latest IRS migration data (2022–2023), 1,064 households (1,955 people) filed their taxes in Montana after filing in Texas the year before. That makes Montana the #41 destination for people leaving Texas. These households reported an average adjusted gross income of $82,715. Going the other way, 1,047 households moved from Montana to Texas, a net gain of 17 households for Montana.
Five-year trend
Moves from Texas to Montana reached a five-year high in 2022–23, up 31% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Texas to Montana
Moving cost: $1,030–$13,540
Moving about 1,550 miles from Texas to Montana costs roughly $1,030 – $13,540, depending on how much of the work you hire out.
Distance between the states' population centers by road (estimate).
| Moving method | Typical range |
|---|---|
| Rental truck (DIY) Truck rental, taxes and fees. Add fuel, damage coverage, lodging and your time. | $1,030 – $4,660 |
| Moving container You pack and load; the company drives the container. | $1,890 – $5,020 |
| Full-service movers Packing, loading, transport and unloading. | $3,020 – $13,540 |
These ranges are based on summer (peak-season) quotes. A move between October and April usually costs less: peak prices run 20–30% higher.
A rental truck also burns about 155 gallons of fuel over this distance. One-way truck rental prices depend on direction: a truck headed where many people are moving often costs more than the same trip in reverse.
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 Texas to Montana
Car shipping: $1,090–$1,590
Shipping a sedan from Texas to Montana on an open carrier costs about $1,090–$1,590, typically 5–10 days in transit over about 1,550 miles.
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 Hawaii and Alaska rates. SUVs cost about 25% more and enclosed carriers about 35% more. Not a quote.
Texas vs Montana take-home pay at every salary
| Salary | Equal salary in MT | Take-home change | Take-home in TX | Take-home in MT |
|---|---|---|---|---|
| $50,000 | $50,700 | -$1,593 | $42,355 | $40,762 |
| $75,000 | $77,000 | -$2,877 | $61,593 | $58,716 |
| $100,000 | $103,500 | -$4,289 | $79,180 | $74,891 |
| $150,000 | $156,700 | -$7,114 | $113,791 | $106,677 |
| $250,000 | $263,400 | -$12,764 | $183,182 | $170,418 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
At higher incomes, especially for homeowners, itemizing state and local taxes (deductible up to $40,400 in 2026) can lower your federal tax once you live in Montana, which narrows the gap shown.
Cost of living: Texas vs Montana
| Measure | Texas | Montana |
|---|---|---|
| Overall price level (U.S. = 100) | 97.1 | 94.6 |
| Housing price index | 96.5 | 84.6 |
| Utilities price index | 87.5 | 72.3 |
| Goods price index | 98.1 | 96.0 |
| Median rent (monthly) | $1,475 | $1,177 |
| Median home value | $313,200 | $425,400 |
| Median property tax (yearly) | $4,108 | $2,939 |
| Electricity (residential) | 15.94¢/kWh | 15.14¢/kWh |
| State sales tax rate | 6.25% | 0% |
| Median household income | $79,721 | $75,340 |
Renting and buying: Texas vs Montana
| Measure | Texas | Montana |
|---|---|---|
| Income to rent the median home (30% rule) | $59,000 | $47,080 |
| Monthly cost to own the median home (20% down) | $2,188 | $2,632 |
| Income needed to buy the median home | $93,793 | $112,817 |
| Homeowners insurance (yearly median, homes with a mortgage) | $2,251 | $1,617 |
| Infant child care (center, yearly) | $11,349 | $15,080 |
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: Texas vs Montana
On an $80,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $45,817 a year in Texas and $44,959 in Montana if you rent: $858 less after the move. If you buy the median home, they come to $54,379 and $62,424 ($8,045 more).
Your yearly budget, before vs after
| Yearly cost | TX | MT | Change |
|---|---|---|---|
| Income and payroll taxes on $80,000, single filer | $14,890 | $18,049 | +$3,159 |
| Electricity state average bill | $1,965 | $1,295 | -$670 |
| Car insurance one car, state average | $1,429 | $975 | -$454 |
| Gas 12,000 miles at 25 mpg | $1,901 | $2,212 | +$311 |
| Health insurance one adult, age 40, own plan before subsidies | $7,932 | $8,304 | +$372 |
| If you rent | |||
| Rent median, 12 months | $17,700 | $14,124 | -$3,576 |
| Total if you rent | $45,817 | $44,959 | -$858 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $19,903 | $27,033 | +$7,130 |
| Property tax median home | $4,108 | $2,939 | -$1,169 |
| Homeowners insurance state median, with a mortgage | $2,251 | $1,617 | -$634 |
| Total if you buy | $54,379 | $62,424 | +$8,045 |
Taxes: 2026 federal and state rules, standard deduction. Rent, home value and property tax: Census ACS 2024 state medians. Mortgage: Freddie Mac 30-year average (6.95%, week of September 17, 2026).
State figures: EIA 2024 average residential power bill, 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 September 23, 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 $11,349 a year in Texas and $15,080 in Montana (Child Care Aware of America, 2024 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 Texas and Montana.
- How Montana taxes retirement income.
Frequently asked questions
How much salary do I need in Montana to live like I do in Texas?
An $80,000 salary in Texas works out to about $82,300 in Montana once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $103,500.
Will I pay less tax in Montana than in Texas?
No, about $3,159 more a year in income and payroll taxes on an $80,000 salary (18.6% of pay in Texas vs 22.6% in Montana). Property and sales taxes are shown separately.
How much does it cost to move from Texas to Montana?
For a 2–3 bedroom home over about 1,550 miles, expect roughly $1,030–$4,660 with a rental truck, $1,890–$5,020 with a moving container, or $3,020–$13,540 with full-service movers.
Are more people moving from Texas to Montana?
Moves from Texas to Montana reached a five-year high in 2022–23, up 31% from 2018–19.
How many people move from Texas to Montana?
IRS migration data for 2022–2023 show 1,064 households (1,955 people) moved from Texas to Montana, making Montana the #41 destination for people leaving Texas. 1,047 households moved the other way.
Is Montana cheaper than Texas?
Overall prices in Montana are 2.6% lower than Texas (BEA Regional Price Parities 2024). Median rent is $1,177 vs $1,475 a month.
Compare other moves
Where people from Texas actually move
- TX to California 24,970 households
- TX to Florida 20,050 households
- TX to Colorado 14,923 households
- TX to Oklahoma 11,582 households
- TX to Louisiana 10,522 households
- TX to New York 9,433 households
- TX to Washington 9,307 households
- TX to Georgia 9,120 households