Cost of Living: Louisville, KY vs Fargo, ND (2026)

Louisville

Kentucky
74
VS

Fargo

North Dakota
73

Louisville and Fargo have a similar cost of living.

$1,069/mo ↑ 17%
Median Rent
$916/mo ↓ 14%
$64,731/yr ↓ 2%
Median Income
$66,029/yr ↑ 2%
$221,500 ↓ 18%
Home Value
$269,800 ↑ 22%
$1,118/mo ↑ 12%
Owner Costs
$997/mo ↓ 11%
627,210
Population
129,064

Tax Comparison

4.0%
Income Tax
2.5%
6.0%
State Sales Tax
5.0%
0.83%
Property Tax
0.98%

Affordability

19.8%
rent-to-income
Affordability
16.6%
rent-to-income

Detailed Comparison

When comparing Louisville, KY and Fargo, ND, the overall cost of living indices are 74 and 73 respectively (national median = 100). Rent is $153/month cheaper in Fargo, saving renters about $1,836/year.

Median household income is $1,298/year higher in Fargo. Home values also differ significantly — the median in Louisville is $221,500 compared to $269,800 in Fargo.

North Dakota has a lower income tax rate, making Fargo slightly more tax-friendly.

Frequently Asked Questions

Louisville vs Fargo — common questions

Is Louisville or Fargo cheaper to live in?
Based on our cost index, Fargo is cheaper to live in with an index of 73 compared to 74 (US average = 100).
What is the rent difference between Louisville and Fargo?
Median rent in Louisville is $1,069/month and in Fargo it's $916/month — a difference of $153/month.
Which city has higher income, Louisville or Fargo?
Median household income is $64,731 in Louisville and $66,029 in Fargo. Median household income is $1,298/year higher in Fargo.
How do taxes compare between Kentucky and North Dakota?
Kentucky has 4.0% income tax, 6.0% sales tax, and 0.83% property tax. North Dakota has 2.5% income tax, 5.0% sales tax, and 0.98% property tax.
Should I move to Louisville or Fargo?
It depends on your priorities. Louisville has a cost index of 74 with median rent of $1,069/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 Louisville details → View Fargo details →

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