Composite index
90.7
100 = US average
All states
MERIC Q1 2026Low-to-high rank #13
MERIC Q1 2026Low-to-high rank #13North Dakota Cost of Living
Index 90.7 · housing 77.2 · 9.3 points below the US average.
By Sammy S. · Founder · AuthorUpdated for 2026
90.7
Composite index
#13
National rank
77.2
Housing index
$110,254
$100k ≈ US
North Dakota cost of living snapshot
North Dakota's composite index is 90.7, ranking #13 among the 50 states and DC where #1 is the lowest cost of living. The US average equals 100.
National rank
#13
#1 is lowest cost
Vs US average
−9.3
Index points
$100k local ≈ US
$110,254
Purchasing-power illustration
Compare North Dakota with another state
Compare any two states
Composite index, category costs, and equivalent-salary examples.
Category indexes
What drives costs in North Dakota
Each category is indexed to the US average of 100. Housing often explains most of the gap between states.
Grocery
94.1
Below US average
Housing
77.2
Below US average
Utilities
86.4
Below US average
Transportation
96.7
Near US average
Health care
107.7
Above US average
Misc. goods & services
98.3
Near US average
Highest category index
Health care
107.7
This is North Dakota's highest category relative to the national baseline, though it may not be your household's largest monthly expense.
Lowest category index
Housing
77.2
This category compares most favorably with the US average among the six categories in the state profile.
North Dakota salary purchasing-power examples
These illustrations convert salaries using the composite indexes. They are not after-tax calculations and do not replace local housing or tax research.
| US-average salary | Needed in North Dakota | Difference |
|---|---|---|
| $50,000 | $45,350 | −$4,650 |
| $75,000 | $68,025 | −$6,975 |
| $100,000 | $90,700 | −$9,300 |
| $150,000 | $136,050 | −$13,950 |
| $250,000 | $226,750 | −$23,250 |
$50,000 US-average lifestyle
Needed in North Dakota: $45,350
$75,000 US-average lifestyle
Needed in North Dakota: $68,025
$100,000 US-average lifestyle
Needed in North Dakota: $90,700
$150,000 US-average lifestyle
Needed in North Dakota: $136,050
How North Dakota's cost of living compares nationally
At 90.7, North Dakota is 9.3 points below the US average of 100. Housing is 77.2, while groceries are 94.1.
Is North Dakota an affordable state to live in?
On the statewide benchmark, North Dakota is less expensive than the US average. Its 90.7 composite indicates a representative market basket costs about 9.3% less than the national baseline. Affordability ultimately depends on household income, after-tax pay, housing choice, debt, and required services—not the index alone.
Household planning
What North Dakota's cost of living can mean for your household
The 90.7 composite is a useful starting point, but households experience North Dakota prices differently based on housing, family size, work location, and ownership.
Renters
Compare neighborhood rent and utilities with the 77.2 housing index; statewide averages can hide large metro differences.
Homeowners
Add mortgage costs, property taxes, homeowners insurance, maintenance, and post-purchase assessments.
Families
Groceries benchmark at 94.1, but childcare, healthcare, and the size of the home may matter more.
Remote workers
Confirm whether pay changes by work location, then compare state taxes, workspace costs, and travel needs.
How to build a realistic North Dakota moving budget
Use the index to screen destinations, then replace broad averages with prices tied to the address and household you are considering.
1. Adjust salary
Apply the 90.7 index, then calculate after-tax pay at the expected salary.
2. Price housing
Use current local listings and include deposits, utilities, insurance, parking, and commute.
3. Add household needs
Estimate childcare, healthcare, groceries, vehicles, debt payments, and recurring services.
4. Stress-test the move
Include moving costs, emergency savings, job risk, and room for prices or insurance to increase.
Why costs vary within North Dakota
Metro and neighborhood differences
Employment centers, housing supply, commute access, schools, and local amenities can create large price gaps between communities even when they share the same statewide index.
Household-specific differences
Renters, homeowners, families, retirees, and commuters buy different combinations of housing, transportation, healthcare, utilities, and services, so their effective cost changes will differ.
Calculation details
How North Dakota's 90.7 index is determined
MERIC averages C2ER Cost of Living Index results for participating urban areas in North Dakota. The result is a statewide comparison benchmark for Q1 2026, not an exact city or household budget.
North Dakota equivalent-salary formula
Salary × 90.7 destination index
Origin index
Grocery
94.1
Housing
77.2
Utilities
86.4
Transportation
96.7
Questions to ask before moving to North Dakota
What salary in North Dakota matches my current purchasing power?
How do local rents or home prices compare with the statewide housing index?
What is after-tax pay at my expected salary and filing status?
How do insurance, healthcare, childcare, and utilities compare?
Does the local job market support the equivalent salary I need?
Do wages, services, and lifestyle outweigh the cost difference?
Employment decisions
How to evaluate a job offer in North Dakota
A salary can look higher while buying less after local prices and taxes. Compare the complete offer rather than applying the cost-of-living ratio to base pay alone.
Purchasing-power salary
Use North Dakota's 90.7 index to estimate the gross salary needed for a comparable market basket.
After-tax paycheck
Calculate federal, state, local, and payroll taxes at the actual filing status and compensation.
Benefits and work costs
Compare health premiums, retirement match, paid leave, commuting, parking, and remote-work support.
Housing and moving costs
Price a realistic neighborhood and include deposits, closing costs, movers, travel, and temporary housing.
Costs the North Dakota index does not fully capture
The C2ER market basket standardizes consumer-price comparisons, but several major household decisions require separate research.
Taxes and government charges
Income tax, property tax, tax credits, vehicle registration, and address-specific local taxes vary by household.
Insurance and care needs
Home, auto, health, flood, and wind insurance—as well as childcare and long-term care—can vary sharply.
Debt, savings, and lifestyle
Student loans, retirement goals, travel, private school, hobbies, and family support are personal budget items.
Why this is not a personal North Dakota budget
The statewide index averages participating urban areas and a standard market basket. Your neighborhood, housing size, commute, family needs, and spending mix can produce a very different result. Pair the index with local listings and tax tools before making a move decision.
North Dakota cost of living FAQs
North Dakota's composite cost-of-living index is 90.7 in MERIC's Q1 2026 data (US average = 100).
North Dakota ranks #13 among the 50 states and DC, where #1 is the lowest cost of living / highest purchasing power.
North Dakota's 90.7 index is 9.3 points below the US average of 100.
About $110,254 at the US average would provide similar purchasing power to $100,000 in North Dakota, based on the composite indexes.
Category indexes are grocery 94.1, housing 77.2, utilities 86.4, transportation 96.7, health 107.7, and miscellaneous 98.3.
North Dakota's housing index of 77.2 is below the US average, which helps keep the composite index lower.
No. The cost-of-living index measures consumer prices. Review income, sales, property, and total tax-burden comparisons separately when planning a move.
No. The statewide figure averages participating urban areas. Local rents, home prices, and services inside North Dakota can differ substantially.
Use the state-pair selector on this page to compare composite and category indexes, plus equivalent-salary examples in both directions.
Use North Dakota's index as one factor. Compare expected wages, after-tax pay, housing, insurance, healthcare, schools, and job opportunities before relocating.
MERIC updates quarterly from C2ER survey data. This profile uses Q1 2026.
It is best for statewide comparisons and salary equivalence. Confirm local housing, utilities, childcare, and taxes for your specific destination.
No. The 90.7 index compares North Dakota's price level with the US average during Q1 2026. Inflation measures how prices change over time.
Start with North Dakota's 77.2 housing index, then verify current rent, deposits, renter insurance, utilities, parking, and commuting costs for the specific neighborhood.
Compare home prices and mortgage costs, then add address-specific property tax, homeowners insurance, maintenance, utilities, association fees, and any post-purchase reassessment.
Equivalent salary scales a broad market basket. It does not know your tax filing status, housing choice, family size, childcare, healthcare needs, debt, savings goals, employer benefits, or local neighborhood prices.
North Dakota's 90.7 composite is below the US average, but affordability still depends on local wages, after-tax income, housing, debt, and household needs.
There is no single comfortable salary. Start by converting your current budget with North Dakota's 90.7 index, then add taxes, local housing, insurance, childcare, debt payments, savings goals, and household-specific spending.
Compare the purchasing-power-adjusted salary, after-tax pay, health and retirement benefits, paid leave, commute, housing near the job, and one-time moving costs. Base salary alone can hide a weaker overall offer.
The cost-of-living index is one input for retirement planning. Retirees should separately compare housing, property-tax relief, retirement-income taxes, Medicare and supplemental coverage, long-term care, transportation, and access to family and healthcare.
Compare North Dakota with similar-index states
Texas
Georgia
Louisiana
NebraskaRelated state tax tools
Data period Q1 2026. Statewide urban-area average only; not financial, legal, or tax advice.