Fargo, ND vs Miami, FL
Moving from Fargo to Miami? Here's what changes — from your equivalent salary to housing ($327,854 → $475,622 median home) and taxes.
Fargo vs Miami at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Fargo, ND, you'd need about $125,751 in Miami, FL (+$25,751).
Livability — Fargo, ND: 68 · Miami, FL: 57 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,592 sqft in Fargo vs 1,945 sqft in Miami ($193 vs $257 per sqft).
Annual cost breakdown (at $100,000)
| Category | Fargo, ND | Miami, FL | Difference |
|---|---|---|---|
| Housing | $13,872 | $32,316 | +$18,444 |
| Groceries | $4,850 | $5,091 | +$242 |
| Transportation | $3,130 | $4,800 | +$1,670 |
| Utilities | $1,332 | $1,656 | +$324 |
| Insurance | $2,100 | $4,200 | +$2,100 |
| Taxes | $8,083 | $5,772 | −$2,311 |
| Total | $33,367 | $53,835 | +$20,469 |
Side by side
| Metric | Fargo, ND | Miami, FL |
|---|---|---|
| Cost-of-living index | 89.1 | 112.1 |
| Unemployment rate | 3.11% | 5.24% |
| Population growth (5-yr) | 8.2% | 1.7% |
| Air quality (median AQI) | 38 | 51 |
| Big Mac price (est.) | $5.07 | $6.38 |
| Median home price | $327,854 | $475,622 |
| Home price ÷ income | 4.5× | 6.9× |
| 1-yr home appreciation | 3.2% | -2.9% |
| Price per square foot | $193 | $257 |
| Median rent | $1,156 | $2,693 |
| Total tax burden (% income) | 8.8% | 9.1% |
| Combined sales tax | 7.04% | 7.02% |
| Capital gains tax | 2.50% | None |
| Property tax rate | 1.20% | 0.90% |
| Healthcare (annual) | $7,000 | $7,500 |
| Childcare (annual, infant) | $10,000 | $10,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 18 | 30 |
| Home insurance / yr | $2,100 | $4,200 |
| Auto insurance / yr | $1,400 | $2,900 |
| Flood insurance / yr | $650 | $1,400 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 12.3 | 15.4 |
| Gas $/gal | 3.20 | 3.35 |
| Violent crime /100k | 290 | 380 |
| Avg summer high °F | 84 | 91 |
| Avg winter low °F | -2 | 52 |
| Permit difficulty (1–5) | 2 | 3 |