Is it cheaper to live in Bozeman or Concord?

Bozeman, MT is cheaper. Its monthly baseline of $1,360 (1BR rent + utilities) runs about 4% below Concord, NH's $1,410, mainly because of electricity costs.

How much more do you need to earn to live in Bozeman than in Concord?

To keep rent near the recommended 30% of gross income, you'd want to earn roughly $49,000 a year in Bozeman versus $45,000 in Concord.

Which has lower taxes, Bozeman or Concord?

Bozeman is taxed under Montana's rules (a top state income tax rate of 5.65% and no state sales tax); Concord under New Hampshire's (no state income tax and no state sales tax).

Bozeman vs Concord Cost of Living 2026

Bozeman

Montana

$1,360/mo est.

Concord

New Hampshire

$1,410/mo est.

Monthly estimate = 1BR rent + electricity + gas

A one-person monthly baseline (1BR rent plus typical utilities) runs $1,360 in Bozeman, MT versus $1,410 in Concord, NH. Overall, Bozeman, MT is roughly 4% cheaper to live in day-to-day than Concord, NH, driven mainly by electricity costs.

Median household income is $79,903 in Bozeman, MT and $83,701 in Concord, NH — about 5% higher in Concord, NH. Montana has a top state income tax rate of 5.65% and no state sales tax; New Hampshire has no state income tax and no state sales tax.

Bozeman, MT

Concord, NH

Rent

Studio

$1,064

$876

+18% in Bozeman, MT

1 Bedroom

$1,214

$1,134

+7% in Bozeman, MT

2 Bedroom

$1,528

$1,475

+3% in Bozeman, MT

3 Bedroom

$2,057

$1,769

+14% in Bozeman, MT

Buying a Home

Median Home Value

$614,900

$323,700

+47% in Bozeman, MT

Income

Median Household Income

$79,903

$83,701

+5% in Concord, NH

Metro Median Wage (annual)

$54,830

—

People & Lifestyle

Median Age

28.6 yr

40.7 yr

+12.1 yr in Concord, NH

Homeownership

44.6%

57.4%

+12.8 pp in Concord, NH

Bachelor's+ (25+)

65.1%

40.1%

+25.0 pp in Bozeman, MT

Avg Commute

15.4 min

23.2 min

+7.8 min in Concord, NH

Crime (per 100k/yr)

Violent Crime

451.2

180.7

+60% in Bozeman, MT

Property Crime

1,808.3

1,251.5

+31% in Bozeman, MT

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

Climate

Avg Annual Temperature

45.3°F

46.4°F

+1.1°F in Concord, NH

Annual Precipitation

14.0 in

40.6 in

+26.6 in in Concord, NH

Gas

Regular Gasoline

$4.27/gal

$3.94/gal

+8% in Bozeman, MT

Area: Rocky Mountain (PADD 4) vs East Coast (PADD 1).

Utilities

Electricity (¢/kWh)

15.1

27.0

+78% in Concord, NH

Natural Gas ($/MCF)

$10.12

$21.67

+114% in Concord, NH

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

Groceries

Milk (gal)

$4.82

$4.31

+10% in Bozeman, MT

Bread (lb)

$2.04

$1.92

+6% in Bozeman, MT

Eggs (doz)

$2.19

about equal

Ground Beef (lb)

$7.36

$6.90

+6% in Bozeman, MT

Chicken (lb)

$2.01

$2.19

+9% in Concord, NH

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 / NH)

None

about equal

Income Tax (top rate)

5.65%

None

+5.7 pp in MT

Bozeman vs Concord — FAQ

Is it cheaper to live in Bozeman or Concord?: Bozeman, MT is cheaper. Its monthly baseline of $1,360 (1BR rent + utilities) runs about 4% below Concord, NH's $1,410, mainly because of electricity costs.
How much more do you need to earn to live in Bozeman than in Concord?: To keep rent near the recommended 30% of gross income, you'd want to earn roughly $49,000 a year in Bozeman versus $45,000 in Concord.
Which has lower taxes, Bozeman or Concord?: Bozeman is taxed under Montana's rules (a top state income tax rate of 5.65% and no state sales tax); Concord under New Hampshire's (no state income tax and no 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).