City Comparison · 2026
Billings vs New York City
Salary, rent, taxes, and purchasing power compared
Purchasing Power
$100k in Billings = $229k in New York City
Metric
Billings
New York City
COL Index
✓0.93
2.13
1BR Monthly Rent
✓$1,100/mo
$3,500/mo
2BR Monthly Rent
✓$1,380/mo
$4,500/mo
State Income Tax
MT
NY
$100k Take-Home
$72,406
✓$73,522
$100k Effective Rate
27.59%
✓26.48%
$100k Savings Potential
✓$59,206
$31,522
After-Tax Income by Salary
| Gross Salary | Billings MT | New York City NY |
|---|---|---|
| $60,000 | $46,618 $3,885/mo · 22.3% eff. | $47,420 $3,952/mo · 20.97% eff. |
| $100,000 | $72,406 $6,034/mo · 27.59% eff. | $73,522 $6,127/mo · 26.48% eff. |
| $150,000 | $103,573 $8,631/mo · 30.95% eff. | $104,939 $8,745/mo · 30.04% eff. |
Frequently Asked Questions
Is Billings or New York City cheaper to live in?
Billings has a cost-of-living index of 0.93 while New York City is 2.13 (1.00 = US average). Billings is cheaper overall. 1BR rent in Billings is $1,100/month vs $3,500/month in New York City.
How much more do you need to earn in New York City vs Billings?
$100k in Billings = $229k in New York City. Cost of living in New York City is higher by 129%.
Which city has better after-tax income — Billings or New York City?
On a $100,000 salary, you take home $72,406 in MT (Billings) and $73,522 in NY (New York City). After accounting for rent, your annual savings potential is $59,206 in Billings vs $31,522 in New York City.
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