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

Lubbock

Texas
75
VS

Fargo

North Dakota
73

Lubbock and Fargo have a similar cost of living.

$1,137/mo ↑ 24%
Median Rent
$916/mo ↓ 19%
$60,487/yr ↓ 8%
Median Income
$66,029/yr ↑ 9%
$197,900 ↓ 27%
Home Value
$269,800 ↑ 36%
$1,179/mo ↑ 18%
Owner Costs
$997/mo ↓ 15%
261,078
Population
129,064

Tax Comparison

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

Affordability

22.6%
rent-to-income
Affordability
16.6%
rent-to-income

Detailed Comparison

When comparing Lubbock, TX and Fargo, ND, the overall cost of living indices are 75 and 73 respectively (national median = 100). Rent is $221/month cheaper in Fargo, saving renters about $2,652/year.

Median household income is $5,542/year higher in Fargo. Home values also differ significantly — the median in Lubbock is $197,900 compared to $269,800 in Fargo.

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

Frequently Asked Questions

Lubbock vs Fargo — common questions

Is Lubbock or Fargo cheaper to live in?
Based on our cost index, Fargo is cheaper to live in with an index of 73 compared to 75 (US average = 100).
What is the rent difference between Lubbock and Fargo?
Median rent in Lubbock is $1,137/month and in Fargo it's $916/month — a difference of $221/month.
Which city has higher income, Lubbock or Fargo?
Median household income is $60,487 in Lubbock and $66,029 in Fargo. Median household income is $5,542/year higher in Fargo.
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 Lubbock or Fargo?
It depends on your priorities. Lubbock has a cost index of 75 with median rent of $1,137/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 Lubbock details → View Fargo details →

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