Overall
Diff -1.8 RPP
Merced vs Missoula
Cost of living comparison based on BEA Regional Price Parities. Missoula is 1.9% less expensive than Merced.
1.9% less expensive
Missoula, MT is 1.9% less expensive than Merced, CA on BEA Regional Price Parities (overall RPP 96.4 vs 98.3). A $100,000 salary in Merced buys about the same as $98,138 in Missoula; the largest component gap is services.
- Overall RPP 98.3 (Merced) vs 96.4 (Missoula)
- $100k in Merced ≈ $98,138 purchasing power in Missoula
- Services drives the gap (-86.3 RPP points)
RPP parity plate
Pair CA:MT 98.3→96.4
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BOTH-BELOW · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE CA × MT
- SPLIT-BUDGET Split budget
- BOTH-BELOW Both below 100
- PP-PAR PP near-par
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
Merced
98.3
Cost Index
Missoula
96.4
Cost Index
What This Comparison Actually Tells You
Merced, CA and Missoula, MT are a photo finish on overall price level, only 1.8 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Services creates the largest separation: Missoula is 86.3 points lower. But rents move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
Both metros remain below the U.S. benchmark of 100. This comparison chooses between two below-average price levels; “more expensive” here does not mean nationally expensive.
For a service-heavy household, test childcare, health, and other locally supplied costs before relying on rent alone. The BEA ratio converts $100,000 in Merced to $98,138 in Missoula, but it is not a personal spending weight.
Category Breakdown
Goods
Diff -9.2 RPP
Services
Diff -86.3 RPP
Rents
Diff +16.3 RPP
| Category | Merced | Missoula | Difference |
|---|---|---|---|
| Overall | 98.3 | 96.4 | -1.8 |
| Goods | 105.2 | 96.0 | -9.2 |
| Services | 158.3 | 72.1 | -86.3 |
| Rents | 78.6 | 94.9 | +16.3 |
Visual Comparison
Overall
Merced 98.3
Missoula 96.4
Goods
Merced 105.2
Missoula 96.0
Services
Merced 158.3
Missoula 72.1
Rents
Merced 78.6
Missoula 94.9
Vertical line = national average (100)
How the Price Gap Changed
Merced and Missoula share 17 published annual releases from 2008 through 2024. Their overall gap narrowed, moving from 3.7 to 1.8 RPP points. Merced remained the higher-index metro in the latest release.
Services changed the most within this pair: its gap moved 59.5 points between the first and latest shared releases (26.7 to 86.3 points). This describes a relative price-index history, not a forecast or a household budget.
| Release Year | Merced RPP | Missoula RPP | Relative Gap |
|---|---|---|---|
| 2008 | 94.3 | 98.0 | 3.7 points Missoula higher |
| 2012 | 98.6 | 93.9 | 4.7 points Merced higher |
| 2016 | 95.3 | 95.8 | 0.5 points Missoula higher |
| 2020 | 98.7 | 93.9 | 4.8 points Merced higher |
| 2024 | 98.3 | 96.4 | 1.8 points Merced higher |
Annual BEA Regional Price Parity releases; a higher index means a higher price level relative to the national average of 100. Selected years shown from the full shared series.
Salary Equivalents
What a salary in Merced would need to be in Missoula for the same purchasing power:
| In Merced | In Missoula | Difference |
|---|---|---|
| $50,000 | $49,069 | $-931 |
| $75,000 | $73,603 | $-1,397 |
| $100,000 | $98,138 | $-1,862 |
| $150,000 | $147,207 | $-2,793 |
$ in Merced = in Missoula
Same BEA Regional Price Parity ratio as the table above (98.3 → 96.4), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Missoula more expensive than Merced?
Missoula is 1.9% less expensive than Merced. The overall cost index is 96.4 vs 98.3 (national average = 100).
What salary in Missoula equals $100K in Merced?
A $100,000 salary in Merced has the same purchasing power as $98,138 in Missoula. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Merced and Missoula?
Rents in Merced are indexed at 78.6 while Missoula is at 94.9 (national average = 100). Missoula has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.