Cost of Living in Montgomery, GA

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D+
19%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
63%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Montgomery Georgia National
Cost of living11996100
Groceries9899100
Health care10299100
Housing16388100
Transportation9999100
Utilities103102100
Lifestyle & Entertainment102100100
Household Items100100100
Education & Childcare10699100
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Homes For Sale In Montgomery, GA

property for sale

438 Hunt Dr

Savannah, GA
property for sale

489 Beaulieu Ave

Savannah, GA
property for sale

289 Center Dr

Savannah, GA
property for sale

139 North Dr

Savannah, GA

Cost Of Living Quick Facts

  • The cost of living in Montgomery is 24% higher than the Georgia average
  • The cost of living in Montgomery is 19% higher than the national average
  • Montgomery housing is 63% higher than the national average
  • Georgia general sales tax is 22% lower than the national average
  • Georgia state income tax is 61% lower than the national average

Most Affordable Places to Live in and Around Montgomery

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Compare Montgomery, GA Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
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      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$142,539$11,878$3,326$4,277
      Renters$78,865$6,572$1,840$2,366
      A good way to judge both the affordability of the housing and the cost of living in Montgomery is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Montgomery has a median income of about $142,539 for people who own homes. Based on that number, a maximum of $3,326 should be spent on expenses related to housing. Renters have a slightly different median income, which is $78,865. Based on this average, renters should spend no more than $1,840 on all rental costs if they want to maintain a non-impoverished standard of living.

      Georgia Sales Tax

      State General Sales Tax With Max Surtax
      Georgia 4% 8%

      Georgia Income Tax

      State Income Tax (Low) Income Tax (High)
      Georgia 1% 5.57%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Garden City, GA9,315946.3%
      Bloomingdale, GA2,890954.8%
      Savannah, GA148,994991.2%
      Georgetown, GA12,9961021.6%
      Port Wentworth, GA9,1531044.3%
      Montgomery, GA5,44111919.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Williamston, NC5,4418713.2%
      Hightstown, NJ5,44112323.2%
      Williamsburg, KY5,4408317.5%
      Williams, CA5,43912020.5%
      Tellico Village, TN5,43813535.3%
      Montgomery, GA5,44111919.4%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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