Amarillo vs Fargo
Cost of Living Comparison · 2026
Amarillo
Fargo
The Verdict
The cost gap between these cities is 20.4%, with Amarillo being the more affordable option. A $75,000 income in Amarillo has equivalent purchasing power to $94,257 in Fargo.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Amarillo has the same purchasing power as $94,257 in Fargo.
Conversely, $75,000 in Fargo equals $59,677 in Amarillo.
Living in Amarillo vs Fargo
Housing Costs
Amarillo's housing index of 59 is lower Fargo's 80, translating to median home prices of $195,000 vs $260,000. The $65,000 difference in home prices means roughly $4,224 per year in additional mortgage costs at current rates. Renters face a similar gap: $975/mo in Amarillo compared to $1,000/mo in Fargo, a monthly difference of $25.
Grocery & Food Costs
Grocery expenses index at 92 in Amarillo and 98 in Fargo. A household spending the national average of $475/month on groceries would pay approximately $437/month in Amarillo vs $466/month in Fargo. Amarillo offers a meaningful advantage on everyday food costs, saving roughly $348/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 94 in Amarillo and 92 in Fargo. Monthly utility bills average approximately $376 in Amarillo vs $368 in Fargo. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 104 in Amarillo and 105 in Fargo. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $58,500 in Amarillo and $55,218 in Fargo. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $79,054 and $59,374 respectively. Amarillo residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,365/month to housing in Amarillo vs $1,288/month in Fargo. In Amarillo, median rent of $975/mo fits within this budget. In Fargo, median rent of $1,000/mo remains manageable. The biggest category-level difference between these two cities is Transportation, where the gap is 24 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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