Side-by-side cost of living comparison for 2026
6% cheaper
Birmingham is 6% more affordable than Fargo. A $75,000 salary in Fargo is equivalent to $70,161 in Birmingham.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Alabama salaries · North Dakota salaries
Housing is typically the biggest factor in any cost-of-living comparison. Birmingham has a housing index of 67 while Fargo sits at 80 (national average = 100). The median home in Birmingham costs $165,000 compared to $260,000 in Fargo, a difference of $95,000. Monthly rent follows a similar pattern: $1,000 in Birmingham versus $1,000 in Fargo.
Groceries and everyday expenses show a narrower gap: Birmingham scores 96 while Fargo scores 98. Both cities are close to the national average for grocery costs.
Healthcare costs in Birmingham (91) are lower than Fargo (105).
Median household income in Birmingham is $38,178 compared to $55,218 in Fargo. When adjusted for cost of living, income goes further in Birmingham.
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