Grand Forks cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexGrand ForksNorth DakotaNational
Cost of living index9493100
IndexGrand ForksNorth DakotaNational
Goods & Services index96100100
Groceries index101103100
Health care index105110100
Housing index8679100
Transportation index105100100
Utilities index8585100
A general summary of the cost of living index in Grand Forks, ND is shown above. Compared to the state average of North Dakota the cost of living index in Grand Forks, ND is 94, which is 1% higher than the average in North Dakota and compared to the national average it is 6% lower than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Grand Forks, ND goods and services come in at 4% lower than the average in North Dakota and are 5% lower than compared to the nationwide average.

Did you know?

  • The cost of living in Grand Forks is 1% higher than the North Dakota average.
  • The cost of living in Grand Forks is 6% lower than the national average.
  • The cost of housing in Grand Forks is 14% lower than the national average.
  • North Dakota general sales tax is 2% lower than the national average.
  • North Dakota state income tax is 45% lower than the national average.

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Compare Grand Forks, ND Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
Price difference in compared to
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Groceries index
Health care index
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Using the salary calculator lets you compare the salary you earn in Grand Forks, ND to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in Grand Forks, ND, you have to earn a higher income in order to still have the same standard of living. To operate the Grand Forks, ND salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$75,797$6,316$1,768$2,274
Renters$25,619$2,135$598$769
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Grand Forks, ND as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Grand Forks, ND homeowners, is $75,797. This would allow for a maximum of $1,768 per month to be spent on housing costs. For renters, the median monthly income is $25,619 which would result in a maximum of $598 to be spent on rental costs.

North Dakota Sales Tax

StateGeneral Sales TaxWith Max Surtax
North Dakota5%8%

North Dakota Income Tax

StateIncome Tax (Low)Income Tax (High)
North Dakota1.22%3.22%
One thing to keep in mind when considering the cost of living in Grand Forks, ND is the North Dakota sales tax and North Dakota income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The North Dakota sales tax rate is 5% and the maximum surtax that can be charged is 8%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The North Dakota income tax rates range from 1.22% to 3.22%.

Goods & Services

ItemGrand ForksNational avg.Difference
Haircut $15.52$15.560.3%
Beauty Salon $29.06$36.1119.5%
Toothpaste $2.56$2.473.7%
Shampoo $0.82$0.9615.4%
Movie $7.74$10.1323.6%
Bowling $3.57$4.7424.7%

Groceries

ItemGrand ForksNational avg.Difference
Ground Beef $3.21$3.9819.5%
Fried Chicken $1.28$1.419.1%
Milk $2.33$2.0612.8%
Potatoes $3.22$2.987.9%
Pizza $8.94$9.475.7%
Beer $8.96$8.791.9%

Health Care

ItemGrand ForksNational avg.Difference
Optometrist $105.43$101.044.3%
Doctor $119.65$107.4411.4%
Dentist $85.79$90.425.1%
Ibuprofen $10.64$9.2814.7%
Lipitor $466.48$426.509.4%

Housing

ItemGrand ForksNational avg.Difference
Home Price $156,600.00$175,700.0010.9%
Avg. Mortgage Payment $1,083.92$1,133.234.4%
Apartment Rent $717.00$920.0022.1%

Transportation

ItemGrand ForksNational avg.Difference
Gasoline $2.05$1.993.1%
Tire Balancing $50.01$45.769.3%

Utilities

ItemGrand ForksNational avg.Difference
All Electricity$158.63$163.813.2%
Phone $19.96$28.3929.7%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Fisher, MN40786-14%
Manvel, ND40891-9%
Thompson, ND1,16393-7%
East Grand Forks, MN8,62193-7%
Grand Forks, ND54,09594-6%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Normal, IL54,08296-4%
Brentwood, CA54,06213939%
Highland, CA54,03211818%
Elyria, OH54,21690-10%
St. Peters, MO54,23697-3%
Grand Forks, ND54,09594-6%
Source: The Grand Forks, ND cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.