Cost of Living Comparison Between Helena, MT and Philadelphia, PA Cost of Living Comparison Between Helena, MT and Philadelphia, PA

Monthly Cost of Living

Monthly costs for one person with rent: $3,088 in Helena, MT versus $2,958 in Philadelphia, PA.

Estimated couple costs with rent: $4,402 in Helena, MT versus $4,388 in Philadelphia, PA.

Monthly costs for a family of three with rent: $5,715 in Helena, MT versus $5,817 in Philadelphia, PA.

Living in Helena, MT is roughly 4% more expensive than Philadelphia, PA, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Helena, MT 130% above, Philadelphia, PA 121% above.

Meal at Budget Restaurant

$20.36 $20.36

$19.74 $19.74

3.14%

Three-Course Dinner for Two, Mid-Range

$91.6 $91.6

$88.7 $88.7

3.19%

Fast Food Meal (McDonalds, etc)

$13.52 $13.52

$12.03 $12.03

12.39%

Cappuccino

$5.17 $5.17

$4.93 $4.93

4.87%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.25 $2.25

$2.70 $2.70

-16.67%

Water (0.33 liter bottle)

$1.71 $1.71

$1.94 $1.94

-11.86%

Local Beer (0.5 liter draught)

$5.07 $5.07

$5.98 $5.98

-15.22%

Imported Beer (0.33 liter bottle)

$6.53 $6.53

$6.80 $6.80

-3.97%

Milk (1 liter)

$1.17 $1.17

$1.37 $1.37

-14.60%

White Bread (500g)

$4.52 $4.52

$4.13 $4.13

9.44%

Rice (white) (1kg)

$3.74 $3.74

$10.28 $10.28

-63.62%

Eggs

$4.11 $4.11

$4.49 $4.49

-8.46%

Local Cheese (1kg)

$31.36 $31.36

$15.12 $15.12

107.41%

Chicken Fillets (1kg)

$9.28 $9.28

$13.67 $13.67

-32.11%

Beef Round Steak (1kg)

$20.20 $20.20

$21.23 $21.23

-4.85%

Apples (1kg)

$4.66 $4.66

$6.13 $6.13

-23.98%

Banana (1kg)

$1.78 $1.78

$2.24 $2.24

-20.54%

Oranges (1kg)

$4.61 $4.61

$5.17 $5.17

-10.83%

Tomato (1kg)

$5.44 $5.44

$5.20 $5.20

4.62%

Potato (1kg)

$2.12 $2.12

$3.28 $3.28

-35.37%

Onion (1kg)

$1.82 $1.82

$2.88 $2.88

-36.81%

Lettuce (1 head)

$1.70 $1.70

$3.03 $3.03

-43.89%

Water (1.5 liter bottle)

$2.36 $2.36

$2.44 $2.44

-3.28%

Cigarettes 20 Pack (Marlboro, Camel)

$9.99 $9.99

$12.68 $12.68

-21.21%

Wine (Bottle)

$13.24 $13.24

$15.03 $15.03

-11.91%

Local Beer (0.5 liter bottle)

$1.71 $1.71

$1.94 $1.94

-11.86%

Imported Beer (0.33 liter bottle)

$2.55 $2.55

$4.10 $4.10

-37.80%

One-way Ticket (Public Transport)

$3.40 $3.40

$2.54 $2.54

33.86%

Public Transport Monthly Pass (Regular Price)

$59.9 $59.9

$94.1 $94.1

-36.30%

Taxi Start (Normal Tariff)

$9.87 $9.87

$2.97 $2.97

232.32%

Taxi (Normal Tariff) (1km)

$3.41 $3.41

$1.59 $1.59

114.47%

Taxi 1hour Waiting (Normal Tariff)

$45.26 $45.26

$22.44 $22.44

101.69%

Gasoline (1 liter)

$0.85 $0.85

$0.86 $0.86

-1.16%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$36.5K $36.5K

$27.1K $27.1K

34.85%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$30.9K $30.9K

$25.4K $25.4K

21.24%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$356 $356

$270 $270

32.00%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$75.9 $75.9

$61.9 $61.9

22.73%

Internet (50+ Mbps, Unlimited Data)

$89.9 $89.9

$77.3 $77.3

16.40%

Gym Membership (Monthly)

$50.5 $50.5

$49.48 $49.48

2.10%

Tennis Court (1 Hour on Weekend)

$14.72 $14.72

$32.90 $32.90

-55.26%

Cinema Ticket

$10.69 $10.69

$14.92 $14.92

-28.35%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,913 $1,913

$2,044 $2,044

-6.42%

International Primary School, 1 Child (Yearly)

$22.4K $22.4K

$43.1K $43.1K

-48.00%

Jeans (Levis 501 Or Similar)

$61.5 $61.5

$51.1 $51.1

20.34%

Summer Dress (H&M, Zara, etc)

$120 $120

$42.53 $42.53

182.11%

Sport Shoes (Adidas, Nike)

$86.9 $86.9

$93.7 $93.7

-7.22%

Men's Leather Business Shoes

$116 $116

$141 $141

-17.88%

1-bedroom Apartment, City Center (Monthly)

$1,648 $1,648

$1,791 $1,791

-7.98%

1-bedroom Apartment, Outside City Center (Monthly)

$1,417 $1,417

$1,388 $1,388

2.09%

3-bedroom Apartment, City Center (Monthly)

$2,605 $2,605

$3,149 $3,149

-17.26%

3-bedroom Apartment, Outside City Center (Monthly)

$2,210 $2,210

$2,263 $2,263

-2.37%

Buy Apartment in City Center (m2)

$3,510 $3,510

$4,044 $4,044

-13.21%

Buy Apartment Outside City Center (m2)

$2,998 $2,998

$1,844 $1,844

62.57%

Average Monthly Net Salary (After Tax)

$6,935 $6,935

$4,475 $4,475

54.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.71

6.68

0.45%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Helena, MT: May 31, 2026

Last update for Philadelphia, PA: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,648 in Helena, MT and $1,791 in Philadelphia, PA. Housing cost is often the main lever when comparing two cities.

Helena, MT pays 55% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $92.0 in Helena, MT vs $89.0 in Philadelphia, PA. Groceries flip the comparison at $454 vs $487, with Helena, MT cheaper for home cooking.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Helena, MT vs Philadelphia, PA: Cost of Living - Frequently Asked Questions

Helena, MT and Philadelphia, PA differ by about 4% in total monthly costs ($3,088 vs $2,958 including rent). Philadelphia, PA is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Helena, MT pays 55% more on average, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,648 in Helena, MT versus $1,791 in Philadelphia, PA. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,913 in Helena, MT versus $2,044 in Philadelphia, PA. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Helena, MT pay roughly 7% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

Both cities are expensive relative to $2,500. Philadelphia, PA is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Helena, MT and Philadelphia, PA are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Philadelphia, PA gentler on the wallet – expenses run 4% less than in Helena, MT. Beyond cost, consider language, visa policies, and how big the international community is in each city.