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Cost of Living Comparison 2026

📍 Bismarck, ND — ZIP-level rent data · COL adjusted from Minneapolis, MN area

$

Numbers update automatically as you type

You'd spend $1.8K/month more in Phoenix, AZ

$150.0K in your current city equals $172.1K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 24.6%
More expensive
Monthly Impact
$1,845
Extra cost
Annual Impact
$22.1K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Bismarck, ND

Population:75K
Cost Index:100
Median Home:$288K

Phoenix, AZ

Population:1608K
Cost Index:125
Median Home:$414K

Bismarck, ND

The Peace Garden State

75K
Population
State Tax
Yes

Located in North Dakota, this city has a population of 75K residents.

Phoenix, AZ

The Grand Canyon State

1.6M
Population
State Tax
Yes
Climate
Hot desert

Notable Facts

  • •Fastest growing major city
  • •Desert metropolis
  • •Spring training capital

Major Industries

TechnologyHealthcareTourismManufacturing

Cost Breakdown by Category

Annual spending: Bismarck, ND vs Phoenix, AZ

🏠Housing
↑ 43.9%
Bismarck, ND
$1,937
Phoenix, AZ
$2,788
Difference
$851
more
🚗Transportation
↑ 40.7%
Bismarck, ND
$1,058
Phoenix, AZ
$1,489
Difference
$431
more
📦Other
↑ 23.3%
Bismarck, ND
$1,361
Phoenix, AZ
$1,677
Difference
$317
more
⚡All Utilities
↑ 26.1%
Bismarck, ND
$445
Phoenix, AZ
$561
Difference
$116
more
🏥Healthcare
↓ 11.1%
Bismarck, ND
$662
Phoenix, AZ
$589
Difference
$73.35
less
🛒Groceries
↑ 6.9%
Bismarck, ND
$901
Phoenix, AZ
$963
Difference
$61.96
more

🏠Rent Comparison

Studio
From$616
To$1,390
↑ $774
1 Bed
From$662
To$1,510
↑ $848
2 Bed
From$753
To$1,750
↑ $997
3 Bed
From$1,049
To$2,330
↑ $1,281
Bismarck, NDZIP-level data

1BR range: $1,000–$1,030/mo

Phoenix, AZZIP-level data

1BR range: $1,300–$2,380/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$6,364
Monthly in Bismarck, ND
$8,068
Monthly in Phoenix, AZ
$1,703
Difference

Home Values

Bismarck
Phoenix
$288K
Median Value
$414K
↑ +6.3%
YoY Change
↓ -3.1%
↑ +30.5%
5-Year Change
↑ +30.2%
$288K
Price Range
$274K - $957K

Homes in Phoenix are 44% more expensive than Bismarck

Calculate payment - BismarckCalculate payment - Phoenix

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $2.5K
More taxes
Monthly Difference
$204
Less take-home
Effective Rate Diff
1.6%
Rate difference

Bismarck, ND

Federal Income Tax
Effective: 18.9%
$25.5K
North Dakota State Tax
Effective: 1.9%
$2.8K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 26.5%
$39.8K
Take-Home Pay
$9,184/month
$110.2K

Phoenix, AZ

Federal Income Tax
Effective: 18.9%
$25.5K
Arizona State Tax
Effective: 3.5%
$5.2K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 28.2%
$42.2K
Take-Home Pay
$8,979/month
$107.8K

Additional Tax Information

Bismarck, ND Tax Rates

Sales Tax:6.8%
Property Tax:1.0%

Phoenix, AZ Tax Rates

Sales Tax:8.5%
Property Tax:0.6%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Bismarck
Phoenix
42 Good
Air Quality
77 Moderate
66.4%
Good Air Days
9%
98 High
Climate Risk
100 Very High
🌊🌡🌪
Top Hazards
🔥🌊🌡
▲+3.6°F
2050 Outlook
▲+2.7°F
14 days
Heat Days >95°F
162 days
▲+3.6°F
2050 Outlook
▲+2.7°F
14 days
Heat Days >95°F
162 days

💰 See how taxes change too — compare take-home pay between North Dakota and Arizona on TaxTakeHome.com

Similar cost to Phoenix, AZ

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