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Cost of Living Comparison 2026

📍 West Fargo, ND — COL adjusted from Minneapolis, MN area + state data

$

Numbers update automatically as you type

You'd spend $1.9K/month more in Phoenix, AZ

$150.0K in your current city equals $173.0K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 25.5%
More expensive
Monthly Impact
$1,913
Extra cost
Annual Impact
$23.0K
Per year

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

West Fargo, ND

Population:40K
Cost Index:100
Median Home:$308K

Phoenix, AZ

Population:1608K
Cost Index:126
Median Home:$414K

West Fargo, ND

The Peace Garden State

40K
Population
State Tax
Yes

Located in North Dakota, this city has a population of 40K 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: West Fargo, ND vs Phoenix, AZ

🏠Housing
↑ 45.0%
West Fargo, ND
$1,923
Phoenix, AZ
$2,788
Difference
$865
more
🚗Transportation
↑ 41.8%
West Fargo, ND
$1,050
Phoenix, AZ
$1,489
Difference
$439
more
📦Other
↑ 24.2%
West Fargo, ND
$1,351
Phoenix, AZ
$1,677
Difference
$326
more
⚡All Utilities
↑ 26.6%
West Fargo, ND
$443
Phoenix, AZ
$561
Difference
$118
more
🏥Healthcare
↓ 10.8%
West Fargo, ND
$660
Phoenix, AZ
$589
Difference
$70.94
less
🛒Groceries
↑ 7.3%
West Fargo, ND
$898
Phoenix, AZ
$963
Difference
$65.23
more

🏠Rent Comparison

Studio
From$647
To$1,390
↑ $743
1 Bed
From$777
To$1,510
↑ $733
2 Bed
From$971
To$1,750
↑ $779
3 Bed
From$1,359
To$2,330
↑ $971
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.

$6,325
Monthly in West Fargo, ND
$8,068
Monthly in Phoenix, AZ
$1,742
Difference

Home Values

West Fargo
Phoenix
-
Median Value
$414K
-
YoY Change
↓ -3.1%
-
5-Year Change
↑ +30.2%
-
Price Range
$274K - $957K
Calculate 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

West 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

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

West Fargo, 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

West Fargo
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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