Cost of Living Comparison Between Fargo, ND and Utrecht Cost of Living Comparison Between Fargo, ND and Utrecht

Monthly Cost of Living

A single person spends $2,010 per month in Fargo, ND vs $2,992 in Utrecht, rent included.

A couple spends around $3,175 per month in Fargo, ND vs $4,267 in Utrecht, rent included.

A family of three spends $4,340 per month in Fargo, ND vs $5,542 in Utrecht, rent included.

Fargo, ND is about 33% cheaper than Utrecht, driven mainly by Groceries & Markets.

Both Fargo, ND and Utrecht sit above the global median – Fargo, ND by 46%, Utrecht by 118%.

Meal at Budget Restaurant

$14.71 $14.71

$22.86 €19.67

-35.65%

Three-Course Dinner for Two, Mid-Range

$59.1 $59.1

$85.4 €73.5

-30.72%

Fast Food Meal (McDonalds, etc)

$11.21 $11.21

$13.71 €11.79

-18.23%

Cappuccino

$5.11 $5.11

$4.83 €4.16

5.80%

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

$2.67 $2.67

$3.92 €3.37

-31.89%

Water (0.33 liter bottle)

$1.97 $1.97

$3.49 €3.00

-43.55%

Local Beer (0.5 liter draught)

$5.63 $5.63

$7.68 €6.61

-26.69%

Imported Beer (0.33 liter bottle)

$8.86 $8.86

$7.39 €6.36

19.89%

Milk (1 liter)

$1.22 $1.22

$1.64 €1.41

-25.61%

White Bread (500g)

$3.42 $3.42

$2.95 €2.54

15.93%

Rice (white) (1kg)

$7.41 $7.41

$2.58 €2.22

187.21%

Eggs

$3.97 $3.97

$4.85 €4.17

-18.14%

Local Cheese (1kg)

$14.50 $14.50

$13.69 €11.78

5.92%

Chicken Fillets (1kg)

$15.21 $15.21

$14.45 €12.44

5.26%

Beef Round Steak (1kg)

$21.56 $21.56

$19.44 €16.73

10.91%

Apples (1kg)

$10.51 $10.51

$2.95 €2.54

256.27%

Banana (1kg)

$2.37 $2.37

$2.57 €2.21

-7.78%

Oranges (1kg)

$6.63 $6.63

$2.18 €1.88

204.13%

Tomato (1kg)

$5.47 $5.47

$3.84 €3.30

42.45%

Potato (1kg)

$5.11 $5.11

$1.79 €1.54

185.47%

Onion (1kg)

$3.77 $3.77

$1.93 €1.66

95.34%

Lettuce (1 head)

$1.96 $1.96

$1.64 €1.41

19.51%

Water (1.5 liter bottle)

$2.66 $2.66

$1.44 €1.24

84.72%

Cigarettes 20 Pack (Marlboro, Camel)

$9.03 $9.03

$15.39 €13.25

-41.33%

Wine (Bottle)

$18.51 $18.51

$7.17 €6.17

158.16%

Local Beer (0.5 liter bottle)

$2.64 $2.64

$1.44 €1.24

83.33%

Imported Beer (0.33 liter bottle)

$5.36 $5.36

$2.85 €2.46

88.07%

One-way Ticket (Public Transport)

$1.47 $1.47

$3.76 €3.24

-60.90%

Public Transport Monthly Pass (Regular Price)

$42.74 $42.74

$141 €121

-69.69%

Taxi Start (Normal Tariff)

$4.62 $4.62

$3.88 €3.34

19.07%

Taxi (Normal Tariff) (1km)

$2.87 €2.47

Taxi 1hour Waiting (Normal Tariff)

$47.52 €40.89

Gasoline (1 liter)

$0.89 $0.89

$2.63 €2.26

-66.16%

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

$34.8K $34.8K

$42.3K €36.4K

-17.77%

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

$25.4K $25.4K

$41.2K €35.4K

-38.29%

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

$138 $138

$250 €215

-44.80%

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

$54.3 $54.3

$21.86 €18.81

148.54%

Internet (50+ Mbps, Unlimited Data)

$56.9 $56.9

$49.84 €42.89

14.07%

Gym Membership (Monthly)

$55.1 $55.1

$46.75 €40.23

17.90%

Tennis Court (1 Hour on Weekend)

$33.26 €28.62

Cinema Ticket

$13.74 $13.74

$16.33 €14.05

-15.86%

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

$1,245 $1,245

$3,148 €2,709

-60.44%

International Primary School, 1 Child (Yearly)

$8,193 €7,050

Jeans (Levis 501 Or Similar)

$51.2 $51.2

$98.5 €84.8

-48.03%

Summer Dress (H&M, Zara, etc)

$47.16 $47.16

$52.6 €45.22

-10.27%

Sport Shoes (Adidas, Nike)

$92.2 $92.2

$110 €94.9

-16.44%

Men's Leather Business Shoes

$102 $102

$132 €113

-22.94%

1-bedroom Apartment, City Center (Monthly)

$940 $940

$1,926 €1,657

-51.20%

1-bedroom Apartment, Outside City Center (Monthly)

$668 $668

$1,531 €1,318

-56.37%

3-bedroom Apartment, City Center (Monthly)

$2,268 $2,268

$3,285 €2,827

-30.97%

3-bedroom Apartment, Outside City Center (Monthly)

$1,471 $1,471

$2,323 €1,999

-36.66%

Buy Apartment in City Center (m2)

$1,780 $1,780

$7,283 €6,267

-75.55%

Buy Apartment Outside City Center (m2)

$1,789 $1,789

$4,976 €4,282

-64.04%

Average Monthly Net Salary (After Tax)

$3,827 $3,827

$4,525 €3,894

-15.43%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.3

3.21

96.26%

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

Last update for Fargo, ND: August 30, 2026

Last update for Utrecht: August 29, 2026

Cost Breakdown

A central one-bedroom costs $940 in Fargo, ND versus $1,926 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 18% 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 $59.0 in Fargo, ND versus $85.0 in Utrecht. Groceries tell a different story – $520 in Fargo, ND vs $366 in Utrecht – so Utrecht wins on supermarket bills even if dining out costs more.

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 49% more than Fargo, ND, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,016 per month in Fargo, ND and $4,487 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 $59.0 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 $2,010 in Fargo, ND and $2,992 in Utrecht. The difference isn't just one category – it shows up across housing, food, transport, and services.

A $2,000 monthly budget goes further in Fargo, ND, where all-in costs run around $2,010, than in Utrecht at $2,992. 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 $2,010 versus $2,992 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.