Is it cheaper to live in Billings or Cambridge?

Billings, MT is cheaper. Its monthly baseline of $1,040 (1BR rent + utilities) runs about 63% below Cambridge, MA's $2,810, mainly because of rent.

How much more do you need to earn to live in Billings than in Cambridge?

To keep rent near the recommended 30% of gross income, you'd want to earn roughly $36,000 a year in Billings versus $100,000 in Cambridge.

Which has lower taxes, Billings or Cambridge?

Billings is taxed under Montana's rules (a top state income tax rate of 5.65% and no state sales tax); Cambridge under Massachusetts's (a top state income tax rate of 9.00% and a 6.25% state sales tax).

Billings vs Cambridge Cost of Living 2026

Billings

Montana

$1,040/mo est.

Cambridge

Massachusetts

$2,810/mo est.

Monthly estimate = 1BR rent + electricity + gas

A one-person monthly baseline (1BR rent plus typical utilities) runs $1,040 in Billings, MT versus $2,810 in Cambridge, MA. Overall, Billings, MT is roughly 63% cheaper to live in day-to-day than Cambridge, MA, driven mainly by rent.

Median household income is $71,855 in Billings, MT and $126,469 in Cambridge, MA — about 43% higher in Cambridge, MA. Montana has a top state income tax rate of 5.65% and no state sales tax; Massachusetts has a top state income tax rate of 9.00% and a 6.25% state sales tax.

Billings, MT

Cambridge, MA

Rent

Studio

$877

$2,236

+155% in Cambridge, MA

1 Bedroom

$889

$2,496

+181% in Cambridge, MA

2 Bedroom

$1,102

$2,980

+170% in Cambridge, MA

3 Bedroom

$1,398

$3,325

+138% in Cambridge, MA

Buying a Home

Median Home Value

$311,800

$1,040,500

+234% in Cambridge, MA

Income

Median Household Income

$71,855

$126,469

+76% in Cambridge, MA

Metro Median Wage (annual)

$49,060

$66,620

+36% in Cambridge, MA

People & Lifestyle

Median Age

38.1 yr

30.5 yr

+7.6 yr in Billings, MT

Homeownership

64.8%

33.7%

+31.1 pp in Billings, MT

Bachelor's+ (25+)

37.0%

80.2%

+43.2 pp in Cambridge, MA

Avg Commute

16.7 min

26.1 min

+9.4 min in Cambridge, MA

Crime (per 100k/yr)

Violent Crime

750.2

436.7

+42% in Billings, MT

Property Crime

3,123.5

2,657.6

+15% in Billings, MT

FBI Crime Data Explorer. Offenses per 100,000 residents per year; agency reporting practices vary, so this is approximate.

Climate

Avg Annual Temperature

48.2°F

51.5°F

+3.3°F in Cambridge, MA

Annual Precipitation

13.7 in

43.8 in

+30.1 in in Cambridge, MA

Gas

Regular Gasoline

$4.27/gal

$4.07/gal

+5% in Billings, MT

Area: Rocky Mountain (PADD 4) vs Massachusetts.

Utilities

Electricity (¢/kWh)

15.1

29.6

+96% in Cambridge, MA

Natural Gas ($/MCF)

$10.12

$30.66

+203% in Cambridge, MA

Residential, state-level averages (EIA). MCF = 1,000 cubic feet.

Groceries

Milk (gal)

$4.82

$4.31

+10% in Billings, MT

Bread (lb)

$2.04

$1.92

+6% in Billings, MT

Eggs (doz)

$2.19

about equal

Ground Beef (lb)

$7.36

$6.90

+6% in Billings, MT

Chicken (lb)

$2.01

$2.19

+9% in Cambridge, MA

Bananas (lb)

$0.70

$0.69

about equal

Average prices — West vs Northeast (BLS). Regional where available, otherwise U.S. average.

State Taxes

Sales Tax (MT / MA)

None

6.25%

+6.3 pp in MA

Income Tax (top rate)

5.65%

9.00%

+3.3 pp in MA

Billings vs Cambridge — FAQ

Is it cheaper to live in Billings or Cambridge?: Billings, MT is cheaper. Its monthly baseline of $1,040 (1BR rent + utilities) runs about 63% below Cambridge, MA's $2,810, mainly because of rent.
How much more do you need to earn to live in Billings than in Cambridge?: To keep rent near the recommended 30% of gross income, you'd want to earn roughly $36,000 a year in Billings versus $100,000 in Cambridge.
Which has lower taxes, Billings or Cambridge?: Billings is taxed under Montana's rules (a top state income tax rate of 5.65% and no state sales tax); Cambridge under Massachusetts's (a top state income tax rate of 9.00% and a 6.25% state sales tax).

Sources: US Census Bureau, ACS 5-Year (rent, income, home value, demographics); NOAA Climate Normals 1981–2010 (climate); EIA weekly retail (gas); Tax Foundation 2026 (state taxes).