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WatchPennies estimates cost of living by US county across housing, food, transportation, healthcare, childcare, other necessities, taxes, and income context.

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Montgomery County, OH vs Bernalillo County, NM: Cost of Living Difference

Is it cheaper?

Montgomery County, OH is cheaper than Bernalillo County, NM.

Moving to Bernalillo County, NM is estimated to cost $3,403 more per year.

Cheaper County

Montgomery County, OHSpend $3,403 more per year.

Salary needed

$50,000 in Montgomery County, OH is about $54,195 in Bernalillo County, NM.

Biggest drivers

Housing increases by $1,552 per year. Transport saves $40 per year.

Housing: $1,552 higher in Bernalillo County, NM

Taxes: $1,168 higher in Bernalillo County, NM

Childcare: about the same in both counties

Healthcare: $151 higher in Bernalillo County, NM

Food: $69 higher in Bernalillo County, NM

Transport: $40 lower in Bernalillo County, NM

Montgomery County, OH→Bernalillo County, NM

Equivalent salary in Bernalillo County, NM

$54,195

+8.39% higher

Current salary: $50,000

Household: 1 adult · 0 children

Median Income in Montgomery County, OH: $84,813

Median Income in Bernalillo County, NM: $84,404

Living Index in Montgomery County, OH 47.85%

Living Index in Bernalillo County, NM 52.11%

This estimate matches your purchasing power (equivalent salary) when moving from Montgomery County, OH to Bernalillo County, NM.

* Living index is estimated as (estimated total cost / area median income) * 100. A living index above 100% means modeled costs exceed median income.

Cost of Living Breakdown by Category

Summary

Moving from Montgomery County, OH to Bernalillo County, NM is estimated to cost $3,403 more per year. To maintain similar purchasing power, a $50,000 salary in Montgomery County, OH would need to be about $54,195 in Bernalillo County, NM. The biggest increase is housing, followed by taxes.

This is a 8.39% increase in modeled annual costs. Housing is $1,552 per year higher (16.9%); Taxes is $1,168 per year higher (17.3%).

Below we break down the annual categories behind the difference using Economic Policy Institute 2026 Family Budget data.

What changed the most?

The following cards show the annual category differences that most affect the move to Bernalillo County, NM.

Biggest Cost

Largest annual cost increase when moving to Bernalillo County, NM

Annual Increase:

$1,552 per year

HOUSING has the largest annual increase when moving to Bernalillo County, NM.

Biggest Savings

Largest annual savings when moving to Bernalillo County, NM

Annual Savings:

$40 per year

TRANSPORT has the largest annual savings when moving to Bernalillo County, NM.

Breakdown of price percentages per category.

Numbers are average costs per section.

Category	Difference
Housing	16.90% higher
Montgomery County, OH Bernalillo County, NM Average Cost $9184.00 $10736.00 INFO: Housing costs are based on Department of Housing and Urban Development data. The estimate uses 40th percentile rent for privately owned rental units in each area. Studio apartments are paired with one-adult households, one-bedroom apartments with two-adult households, and two-bedroom apartments with households that have children.
Food	1.71% higher
Montgomery County, OH Bernalillo County, NM Average Cost $4039.00 $4108.00 INFO: Food costs are based on the U.S. Department of Agriculture's food plans. Numbers are normalized to each area using Feeding America and Meal Gap data. This estimate assumes most food is bought at local grocery stores and prepared at home.
Transport	-0.35% lower
Montgomery County, OH Bernalillo County, NM Average Cost $11312.00 $11272.00 INFO: Transportation costs are a combination of auto ownership, auto use, and public transit. Data is collected from the Center for Neighborhood Technology (CNT).
Healthcare	2.91% higher
Montgomery County, OH Bernalillo County, NM Average Cost $5189.00 $5340.00 INFO: Healthcare expenses come from average insurance premiums and out-of-pocket costs. The estimate assumes families purchase the lowest-cost available insurance plan under the Affordable Care Act. Data comes from Kaiser Family Foundation and the U.S. Department of Health and Human Services (HHS).
Other Costs	12.28% higher
Montgomery County, OH Bernalillo County, NM Average Cost $4105.00 $4609.00 INFO: This cost is calculated through the average spending of categories deemed necessary by the Bureau of Labor Statistics Consumer Expenditure Survey. These include apparel, personal care, household supplies, reading materials, and school supplies.
Childcare	0.00% higher
Montgomery County, OH Bernalillo County, NM Average Cost $0.00 $0.00 INFO: Childcare expenses are based on combined costs for center-based care and family-based care for 4-year-olds and school-aged children. For households with one child, the estimate assumes the child is 4 years old. For households with two children, the estimate assumes the second child is 8 years old.
Taxes	17.30% higher
Montgomery County, OH Bernalillo County, NM Average Cost $6752.00 $7920.00 INFO: Taxes are calculated from the National Bureau of Economic Research. The number weighs in personal income tax, state income tax, federal Social Security, and Medicare taxes.

In Bernalillo County, NM, modeled annual costs are $43,985 compared with $40,582 in Montgomery County, OH.

Overall, annual costs are higher in Bernalillo County, NM. The category breakdown above shows whether housing, taxes, transportation, healthcare, food, childcare, or other necessities are driving the increase.

In this case Bernalillo County, NM and Montgomery County, OH are both metropolitan locations.

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