Cost of Living in Fargo, North Dakota
Rent, everyday costs and taxes in Fargo, what each job keeps after paying them, and how the city compares with the rest of the US.
- Population
- 136,275
- Median household income
- $65,479
- Cost of living (US = 100)
- 90.9
- Unemployment rate
- 2%
Is Fargo a good place to live?
Fargo is a good place to live if you want your pay to go further: a typical worker keeps more here than in 175 of the 178 other large US cities we track.
A typical worker in Fargo keeps $15,895 a year after taxes, rent and everyday costs. Try your job
- Cost of living9% below the US average (BEA, 2024)
- Rent$907 a month for a 1-bedroom (HUD)
- TaxesNo state income tax on wages
Cost of living in Fargo
Prices in the Fargo, ND-MN area run 9% below the US average. Utilities is the biggest difference, at 23% below the US average.
- Housing19% below the US average
- Goods (food, clothing, cars)4% below the US average
- Utilities23% below the US average
- Other services (healthcare and more)9% below the US average
- All items9% below the US average
Monthly budget for one person
| Cost | Monthly | Yearly |
|---|---|---|
| Rent, 1-bedroom | $907 | $10,884 |
| Food | $472 | $5,664 |
| Transportation | $373 | $4,476 |
| Healthcare | $322 | $3,864 |
| Utilities | $201 | $2,412 |
| Total before taxes | $2,275 | $27,300 |
Rent by apartment size
| Monthly rent | Fargo | Whole metro area |
|---|---|---|
| Studio | $789 | $781 |
| 1 bedroom | $907 | $903 |
| 2 bedrooms | $1,111 | $1,104 |
| 3 bedrooms | $1,538 | $1,529 |
| 4 bedrooms | $1,857 | $1,845 |
Living in Fargo
How Fargo compares with the US on income, housing, work and commuting (Census Bureau, ACS 2024 1-year).
| Measure | Fargo | US |
|---|---|---|
| Median household income | $65,479 | $81,604 |
| Median home value | $292,900 | $360,600 |
| Median rent paid | $976 | $1,487 |
| Households renting | 58.8% | 34.7% |
| Unemployment rate | 2% | 4.6% |
| Living below the poverty line | 12.6% | 12.2% |
| Adults with a bachelor's degree or higher | 41.8% | 36.9% |
| Median age | 33.3 years | 39.2 years |
| Average commute, one way | 14.1 minutes | 27.2 minutes |
| Working from home | 9.8% | 13.3% |
| Commuting by public transit | 0.6% | 3.7% |
The 1-year survey doesn’t publish commuting method for Fargo, so those figures come from the 2020–2024 5-year estimates.
Home internet
6 providers offer home internet to at least a quarter of Fargo, led by Sparklight, Midco, CenturyLink, T-Mobile. Fiber reaches 36.4% of homes and 93.6% can get gigabit speeds.
Pros and cons of living in Fargo
Pros
- Shorter commutes. The average one-way commute is 14.1 minutes, against 27.2 nationally.
- Strong job market. Unemployment is 2%, against 4.6% nationally (ACS 2024 1-year).
- Cheaper rent. Median rent is $976 a month, against $1,487 nationally.
- Paychecks go further. A typical worker keeps $15,895 a year after taxes, rent and everyday costs, more than in 175 of 178 large cities.
Cons
- Lower incomes. Median household income is $65,479, against $81,604 nationally.
What your job keeps in Fargo
Pick a job, or enter your salary, to see what's left after federal, payroll, state and local taxes, a 1-bedroom rent and everyday costs.
- Typical salary
- $51,050
- Federal income tax
- −$3,946
- Payroll taxes
- −$3,905
- State income tax
- $0
- Rent, 1-bedroom
- −$10,884
- Everyday costs
- −$16,420
a year, or $1,325 a month
Pay: BLS OEWS Fargo, ND-MN. Rent: HUD FY2027. Taxes: 2026 federal, state and local schedules for a single filer.
What the most common jobs keep here
The 10 jobs we cover with the most workers in the Fargo, ND-MN area.
| Job | Median pay | You keep |
|---|---|---|
| Software engineer | $105,980 | $55,276 |
| Project manager | $97,430 | $49,427 |
| Registered nurse | $82,120 | $38,956 |
| Electrician | $76,950 | $35,419 |
| Accountant | $76,420 | $35,057 |
| Licensed practical nurse | $62,300 | $24,934 |
| Teacher | $60,436 | $23,437 |
| Carpenter | $58,940 | $22,234 |
| Truck driver | $58,900 | $22,202 |
| Nursing assistant | $39,940 | $6,968 |
Other jobs, A–Z
What each keeps in Fargo on its median pay. Pick one in the calculator above for the full breakdown.
- Auto mechanic $22,692
- Civil engineer $48,127
- Data scientist $45,747
- Dental assistant $20,627
- Dental hygienist $40,508
- Dentist $117,944
- Diesel mechanic $26,598
- Financial analyst $37,457
- Firefighter $17,566
- HVAC technician $34,715
- Lawyer $58,771
- Lineman $54,551
- Mechanical engineer $41,835
- Medical assistant $12,865
- Nurse practitioner $71,588
- Occupational therapist $38,785
- Paralegal $21,117
- Paramedic $24,951
- Pharmacist $79,535
- Pharmacy technician $11,347
- Physical therapist $41,150
- Physician assistant $75,930
- Plumber $25,778
- Police officer $34,892
- Radiologic technologist $28,177
- Respiratory therapist $40,569
- Social worker $23,687
- Speech-language pathologist $35,207
- Veterinarian $52,060
- Welder $24,002
Compare Fargo with other cities
Compare Fargo with another city: any city or state, any of our 40 jobs.
Moving to Fargo
5 licensed interstate movers are based in Fargo, and 3 more elsewhere in the Fargo, ND-MN area (FMCSA, household-goods authority).
Questions people ask
Is Fargo, ND a good place to live?
Fargo is a good place to live if you want your pay to go further: a typical worker keeps more here than in 175 of the 178 other large US cities we track. The typical worker here earns $51,050 and keeps $15,895 a year after federal, payroll and state taxes, a 1-bedroom rent and everyday costs.
What is the cost of living in Fargo?
Prices in the Fargo, ND-MN area are 9% below the US average (BEA Regional Price Parities, 2024). A 1-bedroom rents for $907 a month (HUD fair market rent, FY2027), and everyday costs for one person, covering food, transportation, healthcare and utilities, come to about $1,368 a month.
How much do you need to earn to live in Fargo?
A single person renting a 1-bedroom alone needs about $31,300 a year before tax to cover taxes, rent and everyday costs, with nothing left over. The typical worker in the Fargo, ND-MN area earns $51,050.
What is the average rent in Fargo?
HUD's fair market rent for FY2027 is $789 for a studio, $907 for a 1-bedroom and $1,111 for a 2-bedroom. The Census Bureau puts the median rent paid in Fargo at $976 a month (2024).
Does Fargo have a state or city income tax?
North Dakota has no state income tax on wages. Fargo has no local income tax on wages.
What internet providers serve Fargo?
6 providers offer home internet to at least a quarter of Fargo, led by Sparklight, Midco, CenturyLink, T-Mobile. 36.4% of homes can get fiber and 93.6% can get gigabit speeds (FCC National Broadband Map).
Sources and method
Everyday costs: BLS Consumer Expenditure Survey 2024 (one-person households) × CPI-U to August 2026 × BEA Regional Price Parities 2024. Taxes assume a single filer with the standard deduction and wage income only.
- Census Bureau, Vintage 2025 population estimates
- Census Bureau, American Community Survey 2024 1-year estimates
- Census Bureau, American Community Survey 2020-2024 5-year estimates
- BLS OEWS May 2025, metropolitan area estimates
- HUD Small Area Fair Market Rents, FY2027
- BLS Consumer Expenditure Surveys 2024, Table 1400 (size of consumer unit)
- BLS Consumer Price Index (CPI-U)
- BEA Regional Price Parities by MSA, 2024
- FCC National Broadband Map, fixed broadband availability (data as of December 31, 2025, released 2026-09-29)
- FMCSA Carrier - All With History (operating authority and insurance)
Data compiled October 13, 2026. How we calculate