St. Paul vs Fargo

Category-by-Category Breakdown

Index values shown. National average = 100. Lower is cheaper.

💰 Salary Equivalence

To maintain the same standard of living:

See exact take-home pay: Minnesota salaries · North Dakota salaries

Living in St. Paul vs Fargo

Housing is typically the biggest factor in any cost-of-living comparison. St. Paul has a housing index of 98 while Fargo sits at 80 (national average = 100). The median home in St. Paul costs $260,000 compared to $260,000 in Fargo, a difference of $0. Monthly rent follows a similar pattern: $1,300 in St. Paul versus $1,000 in Fargo.

Groceries and everyday expenses show a notable difference: St. Paul scores 103 while Fargo scores 98. Both cities are close to the national average for grocery costs.

Healthcare costs in St. Paul (105) match Fargo (105). Both are close to the national average.

Median household income in St. Paul is $57,718 compared to $55,218 in Fargo. When adjusted for cost of living, income goes further in Fargo.

Relocating: St. Paul vs Fargo

If you are considering a move between St. Paul (index: 100) and Fargo (index: 93), the 7% cost difference has real implications for your budget. Fargo is the more affordable option, but the right choice depends on your income, career opportunities, and lifestyle priorities.

Housing budget reality: Using the 28% rule (spending no more than 28% of gross income on housing), the median household in St. Paul can afford $1,347/month, while the median household in Fargo can afford $1,288/month. With median homes at $260,000 in St. Paul versus $260,000 in Fargo, both cities offer reasonable homeownership opportunities at median income.

Renting vs buying: At $1,300/month in St. Paul and $1,000/month in Fargo, renters face similar costs in both cities. The rent-to-own ratio in each city determines whether renting or buying offers better value for your situation.

Income adjustment: A $75,000 salary goes further in Fargo where costs are 7% below the national average. Before accepting a job in either city, use the salary equivalence data above to understand what you would need to earn to maintain your current standard of living.

Reading These Numbers: St. Paul (100) vs Fargo (93)

The cost of living index uses 100 as the national average. St. Paul at 100 is 0% below the US average, while Fargo at 93 is 7% below average. Both cities are close to the national average in overall costs.

The overall index is a weighted average of housing (the largest component), groceries, utilities, transportation, and healthcare. Housing typically drives the biggest differences between cities. Even when two cities have similar overall indices, their category-level costs can vary significantly — one city might have expensive housing but cheap groceries, while another is the reverse. Check the category breakdown above for the full picture.

For renters: With median rents of $1,300/month in St. Paul and $1,000/month in Fargo, the annual rent difference is approximately $3,600. Over a 5-year period, that compounds to $18,000 in savings by choosing the more affordable city.

For homebuyers: The $0 difference in median home prices between St. Paul and Fargo translates to roughly $0 per month in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.

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