Cost of Living: Irving, TX vs Fargo, ND (2026)

Irving

Texas
102
VS

Fargo

North Dakota
73

Irving is 40% more expensive than Fargo.

$1,517/mo ↑ 66%
Median Rent
$916/mo ↓ 40%
$79,641/yr ↑ 21%
Median Income
$66,029/yr ↓ 17%
$287,300 ↑ 6%
Home Value
$269,800 ↓ 6%
$1,521/mo ↑ 53%
Owner Costs
$997/mo ↓ 34%
255,036
Population
129,064

Tax Comparison

0%
Income Tax
2.5%
6.25%
State Sales Tax
5.0%
1.6%
Property Tax
0.98%

Affordability

22.9%
rent-to-income
Affordability
16.6%
rent-to-income

Detailed Comparison

When comparing Irving, TX and Fargo, ND, the overall cost of living indices are 102 and 73 respectively (national median = 100). Rent is $601/month cheaper in Fargo, saving renters about $7,212/year.

Median household income is $13,612/year higher in Irving. Home values also differ significantly — the median in Irving is $287,300 compared to $269,800 in Fargo.

Texas has no state income tax, giving Irving residents a significant tax advantage over North Dakota's 2.5% rate.

Frequently Asked Questions

Irving vs Fargo — common questions

Is Irving or Fargo cheaper to live in?
Based on our cost index, Fargo is cheaper to live in with an index of 73 compared to 102 (US average = 100).
What is the rent difference between Irving and Fargo?
Median rent in Irving is $1,517/month and in Fargo it's $916/month — a difference of $601/month.
Which city has higher income, Irving or Fargo?
Median household income is $79,641 in Irving and $66,029 in Fargo. Median household income is $13,612/year higher in Irving.
How do taxes compare between Texas and North Dakota?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. North Dakota has 2.5% income tax, 5.0% sales tax, and 0.98% property tax.
Should I move to Irving or Fargo?
It depends on your priorities. Irving has a cost index of 102 with median rent of $1,517/mo, while Fargo has a cost index of 73 with rent of $916/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Irving details → View Fargo details →

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