Long Beach 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: California salaries · North Dakota salaries

Living in Long Beach vs Fargo

Housing is typically the biggest factor in any cost-of-living comparison. Long Beach has a housing index of 236 while Fargo sits at 80 (national average = 100). The median home in Long Beach costs $700,000 compared to $260,000 in Fargo, a difference of $440,000. Monthly rent follows a similar pattern: $2,200 in Long Beach versus $1,000 in Fargo.

Groceries and everyday expenses show a notable difference: Long Beach scores 106 while Fargo scores 98.

Healthcare costs in Long Beach (103) are lower than Fargo (105). Both are close to the national average.

Median household income in Long Beach is $60,567 compared to $55,218 in Fargo. When adjusted for cost of living, income goes further in Fargo.

Relocating: Long Beach vs Fargo

If you are considering a move between Long Beach (index: 155) and Fargo (index: 93), the 40% 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 Long Beach can afford $1,413/month, while the median household in Fargo can afford $1,288/month. With median homes at $700,000 in Long Beach versus $260,000 in Fargo, the higher-cost city presents significant affordability challenges.

Renting vs buying: At $2,200/month in Long Beach and $1,000/month in Fargo, renters save significantly in Fargo. 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: Long Beach (155) vs Fargo (93)

The cost of living index uses 100 as the national average. Long Beach at 155 is 55% above the US average, while Fargo at 93 is 7% below average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.

The 62-point spread between Long Beach (155) and Fargo (93) is large enough to reshape a household budget entirely, especially for single-income families. The biggest category divergence is housing, where Long Beach scores 236 and Fargo scores 80. That 156-point gap is the primary driver of the overall cost difference between these two metros. Housing, the largest line item for most households, favors Fargo with indices of 80 versus 236. Median home prices of $700,000 in Long Beach and $260,000 in Fargo underscore this gap. Neither city is cheaper across the board: Long Beach has an edge in healthcare, while Fargo is more affordable for housing and groceries. Your actual savings depend on which categories consume the biggest share of your personal budget.

For renters: With median rents of $2,200/month in Long Beach and $1,000/month in Fargo, the annual rent difference is approximately $14,400. Over a 5-year period, that compounds to $72,000 in savings by choosing the more affordable city.

For homebuyers: The $440,000 difference in median home prices between Long Beach and Fargo translates to roughly $26,400 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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