Last update: Oct 2026

Cost of Living Comparison Between Fargo, ND and Utrecht

For one person, living is cheaper in Fargo, ND: $2,026 a month against $2,916 in Utrecht, rent and utilities included – about $10,700 less a year. Higher rent and utilities in Utrecht outweigh lower spending on other living expenses.

97

Cost of Living Index in Fargo, ND
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Fargo, ND Living Index
141

Cost of Living Index in Utrecht
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Utrecht Living Index

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Fargo, ND

🇺🇸 United States

$2,026

/mo nomad

Utrecht

🇳🇱 Netherlands

$2,916

/mo nomad

Monthly Cost of Living

How much you'll spend in Fargo, ND and in Utrecht

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Fargo, ND and in Utrecht actually costs, broken down by who's living it.

A single person spends $2,026 per month in Fargo, ND vs $2,916 in Utrecht, rent included.

Fargo, ND $2,026
Utrecht $2,916

A couple spends around $3,226 per month in Fargo, ND vs $4,182 in Utrecht, rent included.

Fargo, ND $3,226
Utrecht $4,182

A family of three spends $4,426 per month in Fargo, ND vs $5,448 in Utrecht, rent included.

Fargo, ND $4,426
Utrecht $5,448

Fargo, ND is about 31% cheaper than Utrecht, and outside of rent the biggest gap is in groceries.

Both Fargo, ND and Utrecht sit above the global median – Fargo, ND by 49%, Utrecht by 115%.

Meal at Budget Restaurant

$17.26 $17.26

$22.48 €19.99

-23.22%

Three-Course Dinner for Two, Mid-Range

$60.7 $60.7

$85.0 €75.6

-28.57%

Fast Food Meal (McDonalds, etc)

$11.73 $11.73

$13.41 €11.93

-12.53%

Cappuccino

$5.15 $5.15

$4.73 €4.21

8.88%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.58 $2.58

$3.78 €3.36

-31.75%

Water (0.33 liter bottle)

$2.04 $2.04

$3.29 €2.93

-37.99%

Local Beer (0.5 liter draught)

$5.34 $5.34

$6.57 €5.84

-18.72%

Imported Beer (0.33 liter bottle)

$9.13 $9.13

$7.44 €6.62

22.72%

Milk (1 liter)

$1.27 $1.27

$1.54 €1.37

-17.53%

White Bread (500g)

$3.52 $3.52

$2.89 €2.57

21.80%

Rice (white) (1kg)

$7.52 $7.52

$2.46 €2.19

205.69%

Eggs

$4.04 $4.04

$4.92 €4.38

-17.89%

Local Cheese (1kg)

$14.80 $14.80

$13.44 €11.95

10.12%

Chicken Fillets (1kg)

$15.50 $15.50

$13.79 €12.27

12.40%

Beef Round Steak (1kg)

$21.19 $21.19

$19.19 €17.07

10.42%

Apples (1kg)

$10.51 $10.51

$2.83 €2.52

271.38%

Banana (1kg)

$2.36 $2.36

$2.47 €2.20

-4.45%

Oranges (1kg)

$6.59 $6.59

$2.10 €1.87

213.81%

Tomato (1kg)

$5.44 $5.44

$3.78 €3.36

43.92%

Potato (1kg)

$4.87 $4.87

$1.73 €1.54

181.50%

Onion (1kg)

$3.81 $3.81

$1.94 €1.73

96.39%

Lettuce (1 head)

$2.01 $2.01

$1.54 €1.37

30.52%

Water (1.5 liter bottle)

$2.62 $2.62

$1.45 €1.29

80.69%

Cigarettes 20 Pack (Marlboro, Camel)

$8.77 $8.77

$14.63 €13.01

-40.05%

Wine (Bottle)

$18.54 $18.54

$6.62 €5.89

180.06%

Local Beer (0.5 liter bottle)

$2.54 $2.54

$1.35 €1.20

88.15%

Imported Beer (0.33 liter bottle)

$5.44 $5.44

$2.68 €2.39

102.99%

One-way Ticket (Public Transport)

$1.47 $1.47

$3.49 €3.11

-57.88%

Public Transport Monthly Pass (Regular Price)

$41.33 $41.33

$135 €120

-69.38%

Taxi Start (Normal Tariff)

$4.52 $4.52

$3.79 €3.37

19.26%

Taxi (Normal Tariff) (1km)

$2.74 €2.44

Taxi 1hour Waiting (Normal Tariff)

$44.33 €39.43

Gasoline (1 liter)

$0.98 $0.98

$2.55 €2.27

-61.57%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$27.0K $27.0K

$42.2K €37.6K

-36.15%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$25.9K $25.9K

$39.6K €35.2K

-34.66%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$136 $136

$248 €221

-45.28%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$58.2 $58.2

$21.90 €19.48

165.71%

Internet (50+ Mbps, Unlimited Data)

$57.3 $57.3

$47.01 €41.81

21.89%

Gym Membership (Monthly)

$57.1 $57.1

$45.64 €40.59

25.18%

Tennis Court (1 Hour on Weekend)

$31.35 €27.88

Cinema Ticket

$13.79 $13.79

$15.42 €13.71

-10.57%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,244 $1,244

$3,024 €2,690

-58.85%

International Primary School, 1 Child (Yearly)

$7,950 €7,071

Jeans (Levis 501 Or Similar)

$51.0 $51.0

$93.5 €83.2

-45.41%

Summer Dress (H&M, Zara, etc)

$45.99 $45.99

$51.9 €46.19

-11.44%

Sport Shoes (Adidas, Nike)

$84.7 $84.7

$103 €91.7

-17.84%

Men's Leather Business Shoes

$103 $103

$126 €112

-18.29%

1-bedroom Apartment, City Center (Monthly)

$954 $954

$1,847 €1,643

-48.37%

1-bedroom Apartment, Outside City Center (Monthly)

$689 $689

$1,480 €1,316

-53.44%

3-bedroom Apartment, City Center (Monthly)

$2,252 $2,252

$3,230 €2,873

-30.28%

3-bedroom Apartment, Outside City Center (Monthly)

$1,452 $1,452

$2,234 €1,987

-34.98%

Buy Apartment in City Center (m2)

$1,898 $1,898

$6,933 €6,167

-72.63%

Buy Apartment Outside City Center (m2)

$1,673 $1,673

$4,859 €4,322

-65.57%

Average Monthly Net Salary (After Tax)

$3,824 $3,824

$4,254 €3,784

-10.12%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.43

3.23

99.07%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Fargo, ND: October 20, 2026

Last update for Utrecht: October 19, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Fargo, ND

$689 34%

Utrecht

$1.5K 50.8% 115% $791

Groceries & Markets

Fargo, ND

$522 25.8%

Utrecht

$355 12.2% 32% $167

Eating Out

Fargo, ND

$299 14.7%

Utrecht

$353 12.1% 18.2% $54

Monthly Utilities & Internet

Fargo, ND

$251 12.4%

Utrecht

$317 10.9% 26.2% $66

Clothing & Footwear

Fargo, ND

$128 6.3%

Utrecht

$169 5.8% 31.5% $40

Sport & Entertainment

Fargo, ND

$85 4.2%

Utrecht

$76 2.6% 9.7% $8.2

Getting Around

Fargo, ND

$52 * 2.6%

Utrecht

$166 5.7% 222% $115

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $954 in Fargo, ND versus $1,847 in Utrecht. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 11% higher in Utrecht, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $61.0 in Fargo, ND versus $85.0 in Utrecht. Groceries tell a different story – $522 in Fargo, ND vs $355 in Utrecht – so Utrecht wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Fargo, ND

🇳🇱 Utrecht

🕒 Local time

05:17 5:17 AM

12:17 12:17 PM

7 h ahead of Fargo, ND

🌤 Weather

👥 Population

90,056

367,947

💱 Currency

United States Dollar USD $

Euro EUR €

📈 Exchange rate

1 USD = 0.89 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

Lowest

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Between locations

Fargo, ND Utrecht 6,750 km ≈ 9 h nonstop flight

From you

Fargo, ND
Utrecht

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Fargo, ND vs Utrecht: Cost of Living - Frequently Asked Questions

Utrecht costs about 44% more than Fargo, ND, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,038 per month in Fargo, ND and $4,374 in Utrecht. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Fargo, ND, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $61.0 in Fargo, ND and $85.0 in Utrecht. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $2,026 in Fargo, ND and $2,916 in Utrecht. That's a gap of about 44%.

A $2,000 monthly budget goes further in Fargo, ND, where all-in costs run around $2,026, than in Utrecht at $2,916. In Fargo, ND it covers expenses comfortably, while in Utrecht it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Fargo, ND costs $2,026 versus $2,916 in Utrecht. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Fargo, ND. If higher salaries, better infrastructure, or specific career opportunities are the priority, Utrecht makes more sense. Both are solid long-term options with distinct trade-offs.