Austin vs Bismarck
Cost of Living Comparison · 2026 Data
Austin
Bismarck
💡 The Verdict
Bismarck is 18% cheaper than Austin overall. A $75,000 salary in Austin is equivalent to $61,682 in Bismarck.
Category-by-Category Breakdown
Index values for Austin (left) vs Bismarck (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in Austin versus Bismarck. Differences shown from Austin perspective.
| Item | Austin | Bismarck | Difference |
|---|---|---|---|
| 1-Bed Rent | $1,280/mo | $1,110/mo | +$170.00 |
| 2-Bed Rent | $1,700/mo | $1,530/mo | +$170.00 |
| 3-Bed Rent | $2,180/mo | $2,070/mo | +$110.00 |
| Bread (loaf) | $2.33 | $2.56 | $-0.23 |
| Milk (gallon) | $4.02 | $3.56 | +$0.46 |
| Eggs (dozen) | $2.51 | $3.12 | $-0.61 |
| Coffee (latte) | $5.16 | $5.43 | $-0.27 |
| Gas (gallon) | $3.41 | $3.17 | +$0.24 |
| Restaurant Meal | $14.80 | $12.99 | +$1.81 |
💰 Salary Equivalence
A $75,000 salary in Austin has the same purchasing power as $61,682 in Bismarck.
Conversely, $75,000 in Bismarck equals $91,193 in Austin.
💼 Take-Home Pay Comparison
Estimated annual take-home pay on a $75,000 salary after federal, FICA, and state income taxes.
The $1426 difference is driven by North Dakota having a higher state income tax rate. Texas details → · North Dakota details →
Reading These Numbers: Austin (107) vs Bismarck (88)
Austin at 107 is 7% above the US average, while Bismarck at 88 is 12% below average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.
In Austin, the composite index of 107 reflects a weighted calculation where housing carries the most influence at 123, followed by groceries (96), utilities (97), transportation (102), and healthcare (97). Housing is the primary cost driver here.
For renters: With median rents of $1,700/mo in Austin and $1,530/mo in Bismarck, the annual rent difference is approximately $2,040.0. Over a 5-year period, that compounds to $10,200.0 in savings by choosing the more affordable city.
For homebuyers: The $57,000.0 difference in median home prices between Austin and Bismarck translates to meaningful differences in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.
🔗 Related Tools
📚 Moving & Relocation Resources
Amazon affiliate links
CITY PROFILES
Making Your Decision: Austin vs Bismarck
Choosing between Austin and Bismarck involves more than just comparing index numbers. Consider how each category aligns with your personal spending patterns. If you work from home, transportation costs matter less than housing and utilities. If you eat out frequently, the groceries index may understate your actual food spending — look at the restaurant meal prices in the detailed comparison table above instead.
Long-term affordability in Austin versus Bismarck depends partly on cost trajectory. Cities experiencing rapid population growth tend to see costs rise faster than established metros where supply has caught up with demand. While our index captures current conditions, consider whether the city trending cheaper today might converge toward average over the next five to ten years as more people discover it. Our quarterly updates help track these shifts over time.