San Francisco, CA vs Fargo, ND
Moving from San Francisco to Fargo? Here's what changes — from your equivalent salary to housing ($1,149,215 → $327,854 median home) and taxes.
San Francisco vs Fargo 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 San Francisco, CA, you'd need about $75,827 in Fargo, ND (−$24,173).
Livability — San Francisco, CA: 35 · Fargo, ND: 68 (0–100).
What your home budget buys
A $500,000 home budget gets you about 653 sqft in San Francisco vs 2,592 sqft in Fargo ($766 vs $193 per sqft).
Annual cost breakdown (at $100,000)
| Category | San Francisco, CA | Fargo, ND | Difference |
|---|---|---|---|
| Housing | $39,096 | $13,872 | −$25,224 |
| Groceries | $5,761 | $4,850 | −$911 |
| Transportation | $5,125 | $3,130 | −$1,995 |
| Utilities | $3,804 | $1,332 | −$2,472 |
| Insurance | $1,500 | $2,100 | +$600 |
| Taxes | $24,108 | $8,083 | −$16,025 |
| Total | $79,394 | $33,367 | −$46,027 |
Side by side
| Metric | San Francisco, CA | Fargo, ND |
|---|---|---|
| Cost-of-living index | 117.6 | 89.1 |
| Unemployment rate | 5.22% | 3.11% |
| Population growth (5-yr) | 1.1% | 8.2% |
| Air quality (median AQI) | 53 | 38 |
| Big Mac price (est.) | $6.69 | $5.07 |
| Median home price | $1,149,215 | $327,854 |
| Home price ÷ income | 8.9× | 4.5× |
| 1-yr home appreciation | -0.8% | 3.2% |
| Price per square foot | $766 | $193 |
| Median rent | $3,258 | $1,156 |
| Total tax burden (% income) | 13.5% | 8.8% |
| Combined sales tax | 8.82% | 7.04% |
| Capital gains tax | 13.30% | 2.50% |
| Property tax rate | 0.72% | 1.20% |
| Healthcare (annual) | $7,200 | $7,000 |
| Childcare (annual, infant) | $19,000 | $10,000 |
| Vehicle property tax | 0.65% | None |
| Avg commute (min) | 33 | 18 |
| Home insurance / yr | $1,500 | $2,100 |
| Auto insurance / yr | $2,400 | $1,400 |
| Flood insurance / yr | $750 | $650 |
| Earthquake insurance / yr | $950 | $100 |
| Electricity ¢/kWh | 35.3 | 12.3 |
| Gas $/gal | 4.85 | 3.20 |
| Violent crime /100k | 500 | 290 |
| Avg summer high °F | 84 | 84 |
| Avg winter low °F | 45 | -2 |
| Permit difficulty (1–5) | 5 | 2 |