Cost of Living in North Dakota — Housing, Taxes & Everyday Expenses
Very low flat tax, energy wealth, affordable
Data: 2026-Q2 · BLS · HUD · KFFOverview
North Dakota has a very low flat income tax of 2.5% and benefits from oil and gas wealth. Fargo and Bismarck are stable, affordable cities.
Housing costs
Median 1BR rent in Fargo is approximately $950-$1,100. Bismarck is similar.
Tax reality
North Dakota has a flat income tax rate of 2.5% as of 2023 — one of the lowest in the nation.
Everyday expenses
At a cost of living index of 98, North Dakota is about 2% cheaper than the national average of 100. North Dakota's very low flat tax and affordable housing provide strong purchasing power.
Salary reality in North Dakota
$40-60k ~$3,414/mo take-home
$60-80k ~$4,657/mo take-home
$80-100k ~$5,788/mo take-home
FAQ
Cost of Living in North Dakota — FAQ
What is North Dakota's income tax rate?
North Dakota has a flat income tax rate of 2.5% as of 2023, one of the lowest in the nation.
Is North Dakota affordable?
Yes. North Dakota has a cost of living index of 98, near the national average with affordable housing.