Cost of Living in Fargo–Moorhead: What You Really Need to Know in 2025
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Fargo Moorhead 💰 Cost of Living What You Really Need to Know in 2025
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Rising prices and inflation dominate headlines, but Fargo–Moorhead remains one of the Midwest’s most affordable metro areas for housing, healthcare, and lifestyle.
Whether you’re relocating from Minneapolis, Chicago, or a coastal metro like Seattle, Fargo–Moorhead offers a rare blend of affordability, opportunity, and small-city charm. But what does it really cost to live here? Below, we break down the core categories—housing, transportation, healthcare, utilities, and more—so you can plan your move (or your next phase of life) with confidence.
🏠 Housing Costs in Fargo–Moorhead
As of mid-2025, the median home price in Fargo is approximately $329,000, while Moorhead homes average slightly lower around $312,000. Compared to national averages, housing here remains remarkably affordable. Property taxes in Cass and Clay counties are moderate, and many homeowners benefit from energy-efficient new construction in neighborhoods like Horace, South Moorhead, and West Fargo.
Looking to rent? Expect monthly rent to range between $850–$1,400 for 1-2 bedroom apartments, depending on amenities and location. Downtown Fargo lofts and near-campus apartments (around NDSU and Concordia) typically command premium rents.
💡 Utilities & Internet
Utility costs in Fargo–Moorhead are competitive, averaging $180–$240 per month for electric, gas, water, and waste. During winter, heating costs may spike—especially in older homes—so consider insulation or energy-efficient windows if buying.
High-speed internet is readily available across the region. Midco and Sparklight offer gigabit service at around $60–$90 per month. For rural homes or lake cabins, check access before closing.
🚗 Transportation and Gas Prices
Most Fargo–Moorhead residents own cars. Commutes are short—often under 15 minutes—but snowy conditions require dependable vehicles and winter tires. Gas prices as of 2025 average around $3.18 per gallon, and parking is largely free outside of Downtown Fargo.
Public transit is provided by MATBUS, offering reliable service across Fargo, Moorhead, Dilworth, and West Fargo with student discounts, fixed routes, and on-demand services.
🏥 Healthcare Access and Affordability
Healthcare in Fargo–Moorhead is top-tier, anchored by regional hospitals like Essentia Health, Sanford Medical Center, and Prairie St. John’s. Fargo is a regional medical hub, drawing patients from all over the Upper Midwest. While costs align with national averages, access to care is excellent, and many employers offer robust insurance plans.
🛒 Grocery Prices & Essentials
Grocery pricing is stable across the region. A typical grocery run for a family of four ranges from $150–$225 per week. You’ll find popular chains like Hornbacher’s, Cash Wise, and Aldi, along with seasonal farmers markets offering local produce.
🎓 Education & University Impact
Fargo–Moorhead is home to five major institutions: North Dakota State University (NDSU), Minnesota State University Moorhead (MSUM), Concordia College, M State, and Rasmussen University. Their presence fuels the local job market and adds vibrancy to the community. If you’re moving with students, note that college tuition in the region is typically lower than national averages—and in-state options make it even more affordable.
🎭 Lifestyle, Recreation & Taxes
Entertainment is affordable and community-driven. Catch a Fargo-Moorhead RedHawks game at Newman Outdoor Field, enjoy art walks downtown, or explore the Plains Art Museum and Fargo Theatre. North Dakota has no sales tax on groceries or clothing, and Minnesota has similar food exemptions but a higher state income tax.
Pro Tip: Fargo’s growing food scene includes local gems like Mezzaluna, BernBaum’s, and Sol Ave. Kitchen—big-city flavor without the big-city bill.
📊 Final Take: Is Fargo–Moorhead Affordable?
Ready to Make the Move to Fargo–Moorhead?
In a word: yes. Whether you’re a remote worker, young family, or retiree downsizing into a low-maintenance patio home, Fargo–Moorhead delivers unmatched value, lifestyle, and stability. With a median income around $73,000 and unemployment consistently below national averages, the region continues to rank among the Midwest’s best places to live.
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