Side-by-side cost of living comparison for 2026
19% cheaper
Fargo is 19% more affordable than Eugene. A $75,000 salary in Eugene is equivalent to $60,652 in Fargo.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Oregon salaries · North Dakota salaries
Housing is typically the biggest factor in any cost-of-living comparison. Eugene has a housing index of 130 while Fargo sits at 80 (national average = 100). The median home in Eugene costs $380,000 compared to $260,000 in Fargo, a difference of $120,000. Monthly rent follows a similar pattern: $1,400 in Eugene versus $1,000 in Fargo.
Groceries and everyday expenses show a notable difference: Eugene scores 103 while Fargo scores 98. Both cities are close to the national average for grocery costs.
Healthcare costs in Eugene (106) are higher than Fargo (105). Both are close to the national average.
Median household income in Eugene is $49,448 compared to $55,218 in Fargo. When adjusted for cost of living, income goes further in Fargo.
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