Bismarck vs Des Moines for Remote Workers (2026)
Scroll down for internet costs, SF savings estimate, and FAQ.
Remote work cost breakdown
| Metric | Bismarck North Dakota | Des Moines Iowa |
|---|---|---|
| Overall COL index (100 = US avg) | 87Better | 87 |
| State income tax | 2.5%Better | 5.7% |
| 1BR rent / month | $1,150Better | $1,200 |
| Internet / month | $65 | $60Better |
| Walk score (0–100) | 22 / 100 | 36 / 100Better |
| Monthly utilities | $152Better | $155 |
| Sales tax (combined) | 6.8%Better | 6.9% |
| Est. monthly savings vs SF | +$5,515Better | +$5,515 |
Frequently asked questions
Is Bismarck or Des Moines better for remote workers?
For remote workers, Bismarck edges ahead on overall cost of living, internet costs, and taxes. The best choice depends on your priorities — cost vs walkability vs community.
How much money can I save working remotely in Bismarck vs staying in San Francisco?
If you earn $120K remotely and relocate from San Francisco (COL index 194) to Bismarck (COL index 87), you'd save approximately $5,515/month on equivalent purchasing power — or about $66,180/year. This doesn't account for potential salary adjustments.
What is internet service like in Bismarck vs Des Moines?
Median monthly internet costs are $65 in Bismarck and $60 in Des Moines. Both cities have competitive broadband options suitable for remote work, including gigabit fiber in most areas.
Can I negotiate a remote salary if I move from a high-cost city to Bismarck or Des Moines?
Many employers now use location-based pay. Moving from a top-tier city to Bismarck could trigger a salary adjustment. Even at 85% of a $150K SF salary ($127.5K), the lower COL in Bismarck or Des Moines typically means significantly higher purchasing power and take-home after local taxes.
Which city has better walkability for remote workers who don't need to commute?
Des Moines has a higher walk score (36 vs 22), meaning more errands, coffee shops, and restaurants are reachable on foot — a big quality-of-life factor when you're home all day. Walk scores above 70 are considered "very walkable."
$100K in Bismarck has the same purchasing power as $100K in Des Moines
SF savings estimate based on COL index vs San Francisco (194). Actual savings depend on lifestyle and salary adjustments. Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026