Side-by-side cost of living comparison for 2026
11% cheaper
Lubbock is 11% more affordable than Fargo. A $75,000 salary in Fargo is equivalent to $66,935 in Lubbock.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: North Dakota salaries · Texas salaries
Housing is typically the biggest factor in any cost-of-living comparison. Fargo has a housing index of 80 while Lubbock sits at 59 (national average = 100). The median home in Fargo costs $260,000 compared to $175,000 in Lubbock, a difference of $85,000. Monthly rent follows a similar pattern: $1,000 in Fargo versus $950 in Lubbock.
Groceries and everyday expenses show a notable difference: Fargo scores 98 while Lubbock scores 93.
Healthcare costs in Fargo (105) are higher than Lubbock (90).
Median household income in Fargo is $55,218 compared to $49,834 in Lubbock. When adjusted for cost of living, income goes further in Lubbock.
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