Back

Cost of Living in
North Dakota

Living cost is 11% lower than avg
Families spend upto $7,847/mo on avg
Homeowners spend $7,511/mo on avg
Renters spend $4,065/mo on avg

Cost of Living in
North Dakota

Enter the city you're moving from

Moving From

Moving To

Your Pre-Tax Income

A Breakdown of the Cost of Living in North Dakota

U.S. Avg.

North Dakota

Difference Diff

Home Price

$534,127

$417,277.33

22%

Apartment Rent (per month)

$1,354

$1,202

11%

U.S. Avg.

North Dakota

Difference Diff

Phone (per month)

$219.9

$198.96

10%

Total Energy (per month)

$194.67

$160.28

18%

U.S. Avg.

North Dakota

Difference Diff

Grocery Staples

Corn Flakes (per box)

$5.88

$4.99

15%

Frozen Corn (per bag)

$2.33

$2.1

10%

Frozen Meal (per package)

$4.75

$3.35

29%

Cooking Oil (per bottle)

$6.00

$8.94

49%

Detergent (per bottle)

$18.81

$20.61

10%

Facial Tissues (per box)

$2.54

$2.17

15%

Sweet Peas (per can)

$1.74

$1.69

Sugar (per bag)

$4.46

$4.52

Bread (per loaf)

$3.66

$3.7

Frying Chicken (per lb)

$1.64

$1.47

10%

Meat & Poultry

Chicken (per lb)

$1.67

$1.55

Steak (per lb)

$13.56

$17.06

26%

Sausage (per lb)

$4.89

$4.54

Ground Beef (per lb)

$7.90

$7.74

Snacks & Beverages

Soft Drink (per bottle)

$3.08

$2.8

Potato Chips (per bag)

$5.08

$4.12

19%

Coffee (per lb)

$5.92

$6.6

12%

Fresh Orange Juice (per half gallon)

$4.85

$4.75

Fruits & Vegetables

Peaches (per can)

$4.29

$2.67

38%

Lettuce (per head)

$1.85

$1.95

Bananas (per lb)

$0.62

$0.74

20%

Potatoes (per bag)

$4.61

$5.32

15%

Dairy & Eggs

Parmesan Cheese (per lb)

$4.46

$4.63

Margarine (per lb)

$1.26

$1.37

Eggs (per dozen)

$4.50

$4.85

Whole Milk (per gallon)

$4.02

$4.69

17%

Seafood

Chunk Light Tuna (per can)

$1.06

$1.18

11%

U.S. Avg.

North Dakota

Difference Diff

Tire Balance (per tire)

$69.15

$73.29

Gasoline (per gallon)

$2.82

$2.76

U.S. Avg.

North Dakota

Difference Diff

Doctor Visit (per visit)

$113.53

$173.02

52%

Dentist Visit (per visit)

$144.14

$136.16

Ibuprofen (per bottle)

$11.48

$11.39

Prescription Drug (per month)

$21.09

$16.35

22%

Optometrist Visit (per visit)

$93.18

$144.41

55%

U.S. Avg.

North Dakota

Difference Diff

Women’s Slacks

$34.9

$38.65

11%

Boys’ Jeans

$29.45

$32.41

10%

Men’s Shirt

$39.14

$35.21

10%

Wine (per bottle)

$7.14

$10.76

51%

Beer (per 6-pack)

$10.78

$10.3

Veterinary Services (per visit)

$65.41

$65.59

Tennis Balls (per pack)

$3.49

$4.13

18%

Yoga (per class)

$11.89

$15.56

31%

Movie (per ticket)

$11.41

$11.84

Newspaper (per copy)

$18.96

$11.97

37%

Washer Repair (per service)

$109.38

$91.52

16%

Women Slacks

$34.88

$39.42

13%

Boy Jeans

$29.51

$31.38

Man Dress Shirt

$39.05

$37.18

Dry Cleaning (per item)

$13.25

$14.44

Shampoo (per bottle)

$1.56

$1.45

Toothpaste (per tube)

$3.59

$4.14

15%

Beauty Salon (per visit)

$46.61

$42.51

Haircut (per cut)

$26.79

$22.3

17%

Fried Chicken (per serving)

$4.36

$5.03

15%

Pizza (per pizza)

$11.88

$12.67

Hamburger (per serving)

$5.25

$6.2

18%

North Dakota offers both big skies and low bills. The cost of living in North Dakota is 11% lower than the national average, making it one of the most budget-friendly states in the US. The state’s strong job market, low crime rate, and wide-open spaces appeal to families, professionals, and anyone looking for a quieter lifestyle without high expenses.

Home prices in North Dakota are 22% lower than the national average, so it’s one of the most affordable housing markets in the country. The median home price is $417,277.33, and a 20% down payment comes to just over $56,000. Moreover, monthly mortgage payments are 25% to 30% less than what most US homeowners pay. Even in high-demand cities like Fargo and Bismarck, homeownership remains accessible.
The average Rent in North Dakota is 11.2% lower than the national average, ideal for students, families, and young professionals. A one-bedroom home in North Dakota rents for $950, a two-bedroom for $1,200, and a three-bedroom averages $1,500. Most rentals include standard amenities like appliances and parking, though features like gyms or in-unit laundry are less common outside urban centers.
Utility costs in North Dakota are 14% lower than the US average, helping to keep monthly expenses low. A typical monthly bill for electricity, heating, water, and trash service ranges from $330 to $360. Internet service costs between $60 and $75. While there’s no need for hurricane or fire insurance in the state, winter brings added costs for heating and snow removal.
Groceries in North Dakota are 3% lower than the national average, though rural areas may see limited options. A family of four spends $1,315 per month, while a single adult spends $350 to $500. Prices for staples remain manageable: milk averages $3.53, eggs $3.59, bread $3.56, and ground beef about $5 per pound.
Transportation in North Dakota is 11.35% higher, largely because personal driving is a necessity. Gas prices hover around $2.76 per gallon, and monthly car insurance for full coverage averages $181. Winter adds to the burden with extra costs for snow tires, de-icing supplies, and more frequent maintenance. Public transit options are limited to a few cities like Fargo, Bismarck-Mandan, Grand Forks, and Minot.
Healthcare costs are 6.6% higher than the US average, mainly due to limited access in rural areas. A routine check-up averages $150 to $300, while an emergency room visit averages $1,500 to $3,000 without insurance. Cities like Fargo and Bismarck offer better access to hospitals and specialists, while smaller towns may require you to travel for advanced care.
Miscellaneous living expenses in North Dakota are 7.83% lower than the national average, covering everything from entertainment to childcare. Gym memberships cost $40 to $70 a month, while childcare averages from $800 monthly. Entertainment tends to be local and affordable; community events, state parks, and seasonal festivals are often free or low-cost options across the state.

Moving to North Dakota? Your budget will breathe easier here. Housing costs are lower, commutes are shorter, and everyday expenses stay reasonable—just be ready for those long winters.

👉 Next Step: Compare single-family homes in North Dakota. Cost of living data is sourced in part from the Council for Community and Economic Research (C2ER). Figures are provided for informational purposes only and may not reflect real-time changes.

Find your
dream home in North Dakota

Browse Homes For Sale in North Dakota

Is Living in North Dakota Expensive?

No, North Dakota is not expensive to live in. The overall cost of living in North Dakota is 11% lowerthan the national average, making it one of the more affordable states in the US Housing is the biggest cost advantage; homes in North Dakota are 22% lower than the national average.

With a $417,277.33 budget, you can buy a well-kept three-bedroom home in Fargo or Bismarck, complete with a yard, garage, and more living space. In higher-cost states like California, New York, or Massachusetts, that same budget might barely cover a small condo. For middle-class families, North Dakota provides affordability without compromising on quality of life.

Housing in North Dakota

If you're buying a home in North Dakota, affordability is a major advantage. Housing costs are 22% lower than the national average, with the median home price at $417,277.33. Mortgage rates typically range from 6.5% to 7%, and most areas have little to no HOA fees. Whether you're buying your first home or settling down with a family, North Dakota offers strong value for your money.

Buying a House in North Dakota

If you're a young adult or single, homes in Bismarck, downtown Fargo, or college-adjacent neighborhoods in Grand Forks are ideal. These areas offer easy access to cafes, gyms, grocery stores, and major employers. One-bedroom homes in North Dakota range from $180,000 to $260,000, with monthly mortgage payments between $1,100 and $1,400. Living close to downtown also cuts down on your commute times, with nightlife and local amenities within reach.
If you're a married couple with young kids (under 6), neighborhoods like South Bismarck, West Fargo’s Eagle Run, and Lincoln are family-favorites. These areas are quiet, safe, and packed with parks, daycare centers, and early learning programs. Three-bedroom homes in North Dakota range from $270,000 to $350,000, with mortgages between $1,300 and $1,800.
If you're a married couple with older kids (ages 6 to 17), two-story homes in South Fargo, North Bismarck, or King’s Walk in Grand Forks offer the space you're likely looking for. These neighborhoods are also close to schools like Fargo Davies High School and Century High, known for solid academics, sports, and extracurriculars. Four-bedroom homes in North Dakota typically fall between $320,000 and $450,000, with monthly payments of $1,700 to $2,200.

Renting a House in North Dakota

Renting in North Dakota is significantly more affordable than in most states. One-bedroom homes average $950 per month, while two-bedroom homes cost about $1,202.00, making rent here 11.2% lower than the national average. Even three- and four-bedroom homes offer reasonable rates, with most properties located in quiet, low-traffic neighborhoods ideal for families and individuals alike.

If you're a young adult or single individual, one-bedroom homes in Williston, Downtown East Minot, or North Mandan are great options. These neighborhoods offer access to bars, cafes, gyms, and major employers. Rent for one-bedroom homes here ranges from $850 to $1,050, with amenities like off-street parking, in-unit laundry, and short commutes. While public transit is limited, these areas are walkable and centrally located.
If you're a married couple with young children (under 6), two-bedroom homes in Horace (just outside West Fargo), Southwest Jamestown, East Dickinson are in demand. These areas are close to local parks, grocery stores, and early learning centers. Rent typically ranges from $1,100 to $1,350 for two-bedroom homes, while three-bedroom rentals go for $1,400 to $1,600. Outdoor play areas, calm streets, and nearby pediatric care make these spots ideal for young families.
For married couples with older children (ages 6 to 17), neighborhoods like North Minot, Southwest Bismarck, and the Highlands area of Grand Forks offer spacious three- and four-bedroom homes. Rent ranges from $1,500 to $1,900 for homes with garages, basements, and fenced yards. These areas are near public libraries, high schools like Legacy High and Red River High, and offer easy access to youth sports facilities and shopping centers.
If you're downsizing, one- or two-bedroom homes in Valley City, Devils Lake, or Beulah are ideal for a quieter, low-maintenance lifestyle. Rent for these homes averages $800 to $1,100. Most are single-story and located close to healthcare providers, pharmacies, and grocery stores. These towns also have active senior centers and community programming for retirees who want to stay social and involved.
If you’re an international student attending North Dakota State University or the University of North Dakota, look for three-bedroom homes in Roosevelt, Bluemont Lakes, or University Park to share with roommates. These homes rent for $1,200 to $1,600 per month, and splitting the cost reduces individual expenses by 20% to 30%. Proximity to campus, bike-friendly streets, and frequent student shuttles make these areas both practical and affordable for students.

Utilities in North Dakota

Food and Groceries in North Dakota

Transportation in North Dakota

Healthcare in North Dakota

Healthcare costs in North Dakota are 6.6% higher than the national average. While routine visits won’t break the bank, you could feel the pinch when it comes to emergencies or specialized treatments. The state’s rural set-up and limited provider options in smaller towns can drive up certain service costs.

Doctor Visit — $173.02 per visit: Seeing a general practitioner in North Dakota costs $150 to $180 on average. Common appointments include annual physicals, flu symptoms, prescription refills, or blood pressure monitoring. While urban areas like Fargo offer more options, rural regions may have fewer specialists, so appointments can be harder to schedule.
Dentist Visit — $136.16 per visit: Routine cleanings average $120, while cavity fillings range from $150 to $200. Fluoride treatments and basic X-rays might add another $40 to your bill. While prices are slightly higher than in some states, the care quality is excellent, especially in cities like Bismarck and Grand Forks.
Optometrist Visit — $144.41 per visit: Eye exams in North Dakota cost $135 to $160, with contact lens fittings or specific treatments adding $50 to $100. Vision centers in larger towns offer a wide range of services, but in smaller areas, optometry options may be limited.
Prescription Drugs — $16.35 per month: A 30-day supply of Lisinopril (for high blood pressure) costs $12 to $20, and Metformin (for type 2 diabetes) is $15 to $35. Antibiotics like Amoxicillin cost $20 to $30 without insurance. Pharmacies are well distributed in cities, but residents in remote areas may have to rely on mail delivery.
Over-the-Counter Meds — $9 to $13 per package: Ibuprofen, allergy tablets, and cold/flu meds like DayQuil average $9 to $13 per pack. With North Dakota’s long winters, it’s wise to keep a well-stocked medicine cabinet for coughs, congestion, and those unavoidable mid-January sniffles.

North Dakota may not be the cheapest state for healthcare, but it's still more affordable than big metros like New York or California. And with fewer pollutants and shorter commutes, residents have fewer chronic respiratory or stress-related issues.
That said, it’s smart to have coverage. Health insurance premiums in North Dakota usually range between $510* and $950* per month, depending on your plan and coverage level.

*Disclaimer:These figures are averages and can vary based on individual circumstances and specific insurance providers. It’s recommended to compare plans and consult with professionals to find the best fit for your needs.

Miscellaneous Costs in North Dakota

Miscellaneous expenses in North Dakota are 7.83% lower than the national average. From haircuts to vet visits, everyday extras tend to cost less and make budgeting easier.

Food and Drinks: Dining out in North Dakota won’t break the bank. A burger at a local diner typically costs between $6.20, while sit-down meals for a main entree can range from $15 to $30 per person, depending on the restaurant. You’ll find tacos for about $3 to $7 each, pizza slices for $12.67, and sushi rolls averaging $6 to $18, with specialty rolls being higher. A brewed coffee is $6.60, and a pint of local craft beer costs $4 to $10 perpint (less if you make happy hour).
Personal Care and Grooming: Looking sharp is still affordable here. A basic haircut costs $22.30, and salon visits for styling or color range from $42.51. Manicures go for $20 to $28, and massages or facials are priced at $2.17 per session. North Dakota’s laid-back lifestyle favors practical grooming over chasing trends.
Clothing and Laundry: A no-fuss wardrobe works well here, especially when winter coats do the talking. A dress shirt costs $35.21, and a pair of jeans is about $32.41. Dry cleaning is reasonably priced at $14.44 per load, but most folks stick to home laundry set-ups, thanks to lower housing costs and ample space.
Fitness and Entertainment: Staying active is easy and inexpensive. Gym memberships range from $30 to $55 per month, and a yoga class costs about $15.56. Movie tickets hover around $11.84, but the real savings come from free or low-cost outdoor recreation. From hiking in Theodore Roosevelt National Park to ice fishing in the winter, there’s no shortage of budget-friendly adventures in North Dakota.
Pet-Related Expenses: A regular vet visit costs about $65.59, while emergency care can start at $300. Pet grooming services average $35 to $60, depending on the breed and service type. North Dakota has wide open parks and dog-friendly trails, like those in Fargo’s Brandt Crossing or Minot’s Oak Park.

What Salary Do You Need to Live in North Dakota?

The average salary in North Dakota is 11% lower, slightly above the national average. Thanks to lower housing and utility costs, a comfortable lifestyle in North Dakota is more achievable than in many coastal or high-density urban states. Most residents can enjoy a modest lifestyle without a six-figure salary.

Homeowners spend $90,136.00 per year: This includes mortgage payments for a modest home, property taxes, utilities, groceries, insurance, and transportation. Homeowners in North Dakota benefit from relatively low housing prices and energy-efficient homes that help cut monthly bills.

Renters spend $48,776.00 per year: This covers rent for a one-bedroom home, utilities, groceries, local transportation, and essential discretionary spending. Many renters in cities like Fargo or Bismarck can find affordable rentals in walkable neighborhoods with access to schools and healthcare.

Families with kids spend $94,168.00 per year: Childcare, larger housing, groceries, school supplies, pediatric care, and winter-related expenses add to your total. Families typically need at least one vehicle and extra room in the budget for extracurriculars and seasonal gear.

Is North Dakota Too Expensive? Find Homes in North Dakota as Per Your Budget

North Dakota Homes Under

$100,000

North Dakota Homes Under

$200,000

North Dakota Homes Under

$300,000

North Dakota Homes Under

$400,000

North Dakota Homes Under

$500,000

North Dakota Homes Under

$600,000

North Dakota Homes Under

$700,000

North Dakota Homes Under

$800,000

North Dakota Homes Under

$900,000

North Dakota Homes Under

$1M

Discover your place in North Dakota

View neighborhood insights, browse popular homes, and shortlist the ones you like on any device.

Download the Houzeo Mobile App Now!

What is a Cost of Living Calculator?

A cost of living calculator helps you compare the expenses required to live in a different location. The calculator factors in various living expenses like housing, food, utilities, transportation, fitness, and entertainment, etc., and helps you estimate how much salary you need to live in that city. Since the cost of goods and services varies in different cities, a North Dakota cost of living calculator can help you make the decision to move to this city or not.

About Cost of Living Data

The data used to determine North Dakota's cost of living is sourced from the Council for Community and Economic Research (C2ER). Published since 1968, COLI data is recognized by the U.S. Census Bureau and the Bureau of Labor Statistics. This organization regularly updates its data to offer a detailed and well-researched view of living expenses in cities across the country. An independent Advisory Board reviews C2ER’s data collection methodologies and quarterly publications to ensure consistency and quality. For more information, visit www.coli.org. Data published as of Oct 2025.

Frequently Asked Questions

How much is gas in North Dakota?

Gas prices in North Dakota average around $2.76 per gallon, slightly below the national average. Seasonal fluctuations can occur during winter months due to heating demands, but overall, fuel remains affordable. With less traffic congestion than major metro areas, your daily commute tends to be smoother and less costly.

Is North Dakota a good place to live?

North Dakota offers a high quality of life with low crime rates, affordable housing, and strong job opportunities in energy, agriculture, and healthcare. Cities like Fargo and Bismarck have good schools, growing cultural scenes, and access to outdoor recreation. The slower pace of life is perfect for families and professionals alike.

What is the cost of living in North Dakota?

The average cost of living in North Dakota is 11% lower than the national average. Housing drives much of this affordability, with prices about 22% lower than the US median. Utilities and groceries are also less expensive, while healthcare and transportation costs are just above the national average.

What is the average rent in North Dakota?

Rent for a one-bedroom apartment in North Dakota typically averages $950 per month. Cities like Fargo and Grand Forks offer more amenities and slightly higher rents, while smaller towns keep costs closer to $600. Apartments often include utilities, and offer access to local parks and shopping centers.

How much is a 2-bedroom apartment in North Dakota?

Two-bedroom homes in North Dakota generally rent for $1,202.00 per month. Popular neighborhoods in Bismarck and Minot provide convenient access to schools, healthcare facilities, and family-friendly recreation. Newer developments often feature in-unit laundry and off-street parking.

What is the average price of utilities in North Dakota?

Utility costs in North Dakota range from $350 to over $470 per month, including electricity, water, sewer, and trash. Heating bills can rise during harsh winters, but overall utility expenses remain below the national average, thanks to energy-efficient homes and local infrastructure.

How much is childcare in North Dakota?

If you’re moving to North Dakota, childcare costs typically around $800 per month for toddlers. Urban centers like Fargo and Bismarck tend to have higher-priced daycare centers, while smaller towns offer more affordable in-home care options. Additionally, state programs and subsidies can help many families manage these expenses.