Cost of Living: Hartford vs Fargo (2026)
Fargo has a 20% lower overall cost of living than Hartford as of Q1 2026. A one-bedroom apartment runs $1,250/mo in Fargo vs $1,700/mo in Hartford — a 36% difference. Fargo has a lower state income tax rate (2.5% vs 7%), which adds up over time.
- Fargo is 20% cheaper overall (COL index: 107 vs 89)
- 1BR rent: $1,250/mo in Fargo vs $1,700/mo — 26% savings
- Higher median household income: Fargo ($62,000/yr vs $60,000/yr)
- Median home price: $270,000 in Fargo vs $310,000 — 13% difference
| Category | Hartford Connecticut | Fargo North Dakota |
|---|---|---|
| 🏠 HousingQ1 2026 | ||
| Studio rent/mo | $1,350 | $1,000Best |
| 1BR rent/mo | $1,700 | $1,250Best |
| 2BR rent/mo | $2,300 | $1,650Best |
| Median home price | $310K | $270KBest |
| 🛒 Food & GroceriesQ1 2026 | ||
| Groceries index (100 = US avg) | 107 | 97Best |
| Budget meal (1 person) | $16 | $12Best |
| Mid-range dinner (2) | $65 | $50Best |
| 🚌 TransportationQ1 2026 | ||
| Monthly transit pass/mo | $82 | $50Best |
| Gas price/gal | $3.45 | $3.05Best |
| Car insurance/mo | $175 | $142Best |
| ⚡ UtilitiesQ1 2026 | ||
| Monthly utilities bundle/mo | $200 | $155Best |
| Internet/mo | $70 | $65Best |
| 💰 Income & TaxesQ1 2026 | ||
| Median household income/yr | $60K | $62KBest |
| State income tax% | 7.0% | 2.5%Best |
| Sales tax (combined)% | 6.4%Best | 6.8% |
| 🎬 LeisureQ1 2026 | ||
| Movie ticket | $16.00 | $14.00Best |
| Gym membership/mo | $48 | $35Best |
| Beer at restaurant | $7.00 | $5.50Best |
| 📊 OverviewQ1 2026 | ||
| Overall COL index (100 = US avg) | 107 | 89Best |
| Walk score / 100 | 67Best | 34 |
Frequently asked questions
Is Hartford cheaper than Fargo?
No. Fargo is 20% cheaper than Hartford based on overall cost of living indices (89 vs 107, where 100 = US average).
What is the average rent in Hartford vs Fargo?
As of Q1 2026, the median 1-bedroom rent in Hartford is $1,700/month and in Fargo is $1,250/month. Hartford is more expensive by 36%.
How much do I need to earn in Fargo to match a $75,000 salary in Hartford?
To maintain a similar lifestyle, you would need approximately $62,383/year in Fargo to match a $75,000 salary in Hartford. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Hartford or Fargo?
Fargo has the lower state income tax rate at 2.5% vs 7%. The difference is 4.5 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Hartford to Fargo?
It depends on your priorities. Fargo offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
Want to add more cities or compare your own salary?
Use our interactive tool to compare up to 5 cities and see how much of your take-home goes to rent.