Cost Of Living in Ray, ND

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A+

7%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

21%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Ray	North Dakota	National
Cost of living	93	95	100
Groceries	98	99	100
Health care	99	99	100
Housing	79	86	100
Transportation	100	98	100
Utilities	104	104	100
Lifestyle & Entertainment	96	97	100
Household Items	100	99	100
Education & Childcare	93	98	100

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Homes For Sale In Ray, ND

11268 Keys Cove Loop

Ray, ND

Tbd L1r B4 Key's Cove Loop

Nesson Valley Township, ND

Tbd L3r B4 Key's Cove Loop

Nesson Valley Township, ND

Tbd L1

2B3 Key's Cove Loop, Ne

See the Newest Homes For Sale In Ray, ND

Cost Of Living Quick Facts

The cost of living in Ray is 3% lower than the North Dakota average
The cost of living in Ray is 7% lower than the national average
Ray housing is 21% lower than the national average
North Dakota general sales tax is 2% lower than the national average
North Dakota state income tax is 58% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$81,678	$6,807	$1,906	$2,451
Renters	$203,294	$16,941	$4,743	$6,099

North Dakota Sales Tax

State	General Sales Tax	With Max Surtax
North Dakota	5%	8%

North Dakota Income Tax

State	Income Tax (Low)	Income Tax (High)
North Dakota	1.1%	2.9%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Springbrook, ND	14	99	1.4%
Tioga, ND	1,014	96	4.2%
Epping, ND	82	99	1.3%
Ray, ND	608	93	7.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Payne Gap, KY	608	98	2.0%
Delton, MI	608	91	8.7%
Mead, NE	608	92	7.9%
Heidlersburg, PA	608	80	20.0%
Rowes Run, PA	608	87	13.0%
Ray, ND	608	93	7.3%