Bismarck vs Racine
Cost of Living Comparison · 2026
Bismarck
Racine
The Verdict
Racine is 8.0% less expensive than Bismarck overall. A household earning $75,000 in Bismarck would need approximately $69,474 in Racine to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Bismarck has the same purchasing power as $69,474 in Racine.
Conversely, $75,000 in Racine equals $80,966 in Bismarck.
Living in Bismarck vs Racine
Housing Costs
Bismarck's housing index of 90 is higher Racine's 66, translating to median home prices of $348,000 vs $126,000. The $222,000 difference in home prices means roughly $14,436 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,100/mo in Bismarck compared to $1,025/mo in Racine, a monthly difference of $75.
Grocery & Food Costs
Grocery expenses index at 99 in Bismarck and 97 in Racine. A household spending the national average of $475/month on groceries would pay approximately $470/month in Bismarck vs $461/month in Racine. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 82 in Bismarck and 94 in Racine. Monthly utility bills average approximately $328 in Bismarck vs $376 in Racine. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 103 in Bismarck and 111 in Racine. 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 $77,600 in Bismarck and $57,700 in Racine. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $81,684 and $65,568 respectively. Bismarck residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,811/month to housing in Bismarck vs $1,346/month in Racine. In Bismarck, median rent of $1,100/mo fits within this budget. In Racine, median rent of $1,025/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 24 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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