Fargo vs Yuma
Cost of Living Comparison · 2026
Fargo
Yuma
The Verdict
Living in Yuma costs 1.1% less than Fargo. To match the purchasing power of a $75,000 salary in Fargo, you would need $74,194 in Yuma.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Fargo has the same purchasing power as $74,194 in Yuma.
Conversely, $75,000 in Yuma equals $75,815 in Fargo.
Living in Fargo vs Yuma
Housing Costs
Fargo's housing index of 80 is lower Yuma's 82, translating to median home prices of $260,000 vs $284,000. The $24,000 difference in home prices means roughly $1,560 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,000/mo in Fargo compared to $1,100/mo in Yuma, a monthly difference of $100.
Grocery & Food Costs
Grocery expenses index at 98 in Fargo and 101 in Yuma. A household spending the national average of $475/month on groceries would pay approximately $466/month in Fargo vs $480/month in Yuma. 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 92 in Fargo and 102 in Yuma. Monthly utility bills average approximately $368 in Fargo vs $408 in Yuma. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 105 in Fargo and 87 in Yuma. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 18-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $55,218 in Fargo and $54,100 in Yuma. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $59,374 and $58,804 respectively. Fargo residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,288/month to housing in Fargo vs $1,262/month in Yuma. In Fargo, median rent of $1,000/mo fits within this budget. In Yuma, median rent of $1,100/mo remains manageable. The biggest category-level difference between these two cities is Healthcare, where the gap is 18 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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