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Cost of Living Comparison 2026

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

$

Numbers update automatically as you type

You'd spend $1.2K/month more in Austin, TX

$150.0K in your current city equals $164.9K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 16.6%
More expensive
Monthly Impact
$1,241
Extra cost
Annual Impact
$14.9K
Per year

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

Fargo, ND

Population:133K
Cost Index:100
Median Home:$259K

Austin, TX

Population:979K
Cost Index:117
Median Home:$558K

Fargo, ND

The Peace Garden State

133K
Population
State Tax
Yes

Located in North Dakota, this city has a population of 133K residents.

Austin, TX

The Lone Star State

979K
Population
State Tax
No Income Tax
Climate
Humid subtropical

Notable Facts

  • •Live music capital
  • •Major tech hub
  • •SXSW festival city

Major Industries

TechnologyMusic IndustryEducationGovernment

Cost Breakdown by Category

Annual spending: Fargo, ND vs Austin, TX

🏠Housing
↑ 39.6%
Fargo, ND
$2,067
Austin, TX
$2,885
Difference
$818
more
📦Other
↑ 19.9%
Fargo, ND
$1,452
Austin, TX
$1,741
Difference
$289
more
🚗Transportation
↑ 13.7%
Fargo, ND
$1,129
Austin, TX
$1,284
Difference
$155
more
🏥Healthcare
↓ 13.9%
Fargo, ND
$684
Austin, TX
$589
Difference
$95.16
less
⚡All Utilities
↑ 17.7%
Fargo, ND
$460
Austin, TX
$541
Difference
$81.28
more
🛒Groceries
↑ 3.0%
Fargo, ND
$931
Austin, TX
$959
Difference
$28.26
more

🏠Rent Comparison

Studio
From$501
To$1,585
↑ $1,084
1 Bed
From$598
To$1,685
↑ $1,087
2 Bed
From$723
To$1,995
↑ $1,272
3 Bed
From$1,009
To$2,525
↑ $1,516
Fargo, NDZIP-level data

1BR range: $860–$860/mo

Austin, TXZIP-level data

1BR range: $1,490–$2,350/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.

$6,722
Monthly in Fargo, ND
$7,998
Monthly in Austin, TX
$1,276
Difference

Home Values

Fargo
Austin
$259K
Median Value
$558K
↑ +4.3%
YoY Change
↓ -5%
↑ +23.9%
5-Year Change
↑ +12.6%
$259K
Price Range
$272K - $1.26M

Homes in Austin are 115% more expensive than Fargo

Calculate payment - FargoCalculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $2.8K
Per year
Monthly Difference
$232
More take-home
Effective Rate Diff
1.9%
Rate difference

Fargo, 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

Austin, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Additional Tax Information

Fargo, ND Tax Rates

Sales Tax:6.8%
Property Tax:1.0%

Austin, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

💡 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

Fargo
Austin
42 Good
Air Quality
52 Moderate
66.4%
Good Air Days
42.6%
98 High
Climate Risk
98 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+3.6°F
2050 Outlook
▲+2.5°F
14 days
Heat Days >95°F
98 days
▲+3.6°F
2050 Outlook
▲+2.5°F
14 days
Heat Days >95°F
98 days

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

Where your money goes further

Cities cheaper than Fargo, ND on a $150.0K salary

1.Indianapolis, IN
Save $116/mo
2.St. Louis, MO
Save $116/mo

Similar cost to Austin, TX

Other cities in a similar price range

Denver, CORaleigh, NCCharlotte, NC

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