Last update: Oct 2026

Cost of Living Comparison Between Utrecht and Fargo, ND

For one person, living is cheaper in Fargo, ND: $2,127 a month against $2,987 in Utrecht, rent and utilities included – about $10,300 less a year. Higher rent and utilities in Utrecht outweigh lower spending on other living expenses.

142

Cost of Living Index in Utrecht
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Utrecht Living Index
102

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

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Utrecht

🇳🇱 Netherlands

$2,987

/mo nomad

Fargo, ND

🇺🇸 United States

$2,127

/mo nomad

Monthly Cost of Living

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

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

A single person spends $2,987 per month in Utrecht vs $2,127 in Fargo, ND, rent included.

Utrecht $2,987
Fargo, ND $2,127

A couple spends around $4,205 per month in Utrecht vs $3,227 in Fargo, ND, rent included.

Utrecht $4,205
Fargo, ND $3,227

A family of three spends $5,423 per month in Utrecht vs $4,327 in Fargo, ND, rent included.

Utrecht $5,423
Fargo, ND $4,327

Utrecht costs about 40% more than Fargo, ND, and outside of rent the biggest gap is in transport.

Both Utrecht and Fargo, ND sit above the global median – Utrecht by 120%, Fargo, ND by 56%.

Meal at Budget Restaurant

$22.74 €20.29

$17.17 $17.17

32.44%

Three-Course Dinner for Two, Mid-Range

$84.0 €75.0

$59.0 $59.0

42.46%

Fast Food Meal (McDonalds, etc)

$13.55 €12.09

$11.95 $11.95

13.39%

Cappuccino

$4.78 €4.27

$5.41 $5.41

-11.65%

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

$3.84 €3.42

$2.56 $2.56

50.00%

Water (0.33 liter bottle)

$3.39 €3.02

$1.94 $1.94

74.74%

Local Beer (0.5 liter draught)

$6.59 €5.88

$5.36 $5.36

22.95%

Imported Beer (0.33 liter bottle)

$7.15 €6.38

$8.83 $8.83

-19.03%

Milk (1 liter)

$1.51 €1.34

$1.23 $1.23

22.76%

White Bread (500g)

$2.98 €2.66

$3.40 $3.40

-12.35%

Rice (white) (1kg)

$2.54 €2.26

$7.63 $7.63

-66.71%

Eggs

$4.68 €4.17

$4.08 $4.08

14.71%

Local Cheese (1kg)

$13.36 €11.92

$14.93 $14.93

-10.52%

Chicken Fillets (1kg)

$13.92 €12.42

$15.52 $15.52

-10.31%

Beef Round Steak (1kg)

$18.68 €16.67

$21.08 $21.08

-11.39%

Apples (1kg)

$2.74 €2.44

$10.28 $10.28

-73.35%

Banana (1kg)

$2.40 €2.14

$2.34 $2.34

2.56%

Oranges (1kg)

$2.08 €1.85

$6.51 $6.51

-68.05%

Tomato (1kg)

$3.78 €3.38

$5.40 $5.40

-30.00%

Potato (1kg)

$1.73 €1.54

$5.10 $5.10

-66.08%

Onion (1kg)

$1.88 €1.68

$3.76 $3.76

-50.00%

Lettuce (1 head)

$1.59 €1.42

$1.95 $1.95

-18.46%

Water (1.5 liter bottle)

$1.38 €1.23

$2.74 $2.74

-49.64%

Cigarettes 20 Pack (Marlboro, Camel)

$14.42 €12.87

$8.60 $8.60

67.67%

Wine (Bottle)

$6.82 €6.08

$18.58 $18.58

-63.29%

Local Beer (0.5 liter bottle)

$1.35 €1.21

$2.62 $2.62

-48.47%

Imported Beer (0.33 liter bottle)

$2.68 €2.39

$5.63 $5.63

-52.40%

One-way Ticket (Public Transport)

$3.55 €3.16

$2.03 $2.03

74.88%

Public Transport Monthly Pass (Regular Price)

$132 €118

$42.10 $42.10

214.04%

Taxi Start (Normal Tariff)

$3.73 €3.33

$4.58 $4.58

-18.56%

Taxi (Normal Tariff) (1km)

$2.73 €2.43

Taxi 1hour Waiting (Normal Tariff)

$45.56 €40.65

Gasoline (1 liter)

$2.59 €2.31

$0.97 $0.97

167.01%

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

$41.0K €36.6K

$27.4K $27.4K

49.92%

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

$40.1K €35.8K

$25.3K $25.3K

58.22%

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

$245 €219

$138 $138

77.17%

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

$21.75 €19.41

$58.1 $58.1

-62.57%

Internet (50+ Mbps, Unlimited Data)

$48.16 €42.97

$56.5 $56.5

-14.81%

Gym Membership (Monthly)

$44.24 €39.47

$52.0 $52.0

-14.84%

Tennis Court (1 Hour on Weekend)

$31.25 €27.88

Cinema Ticket

$15.06 €13.44

$13.96 $13.96

7.88%

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

$3,274 €2,921

$1,247 $1,247

162.60%

International Primary School, 1 Child (Yearly)

$7,994 €7,132

Jeans (Levis 501 Or Similar)

$93.1 €83.1

$49.85 $49.85

86.80%

Summer Dress (H&M, Zara, etc)

$51.5 €45.94

$47.16 $47.16

9.18%

Sport Shoes (Adidas, Nike)

$103 €91.5

$84.2 $84.2

21.88%

Men's Leather Business Shoes

$126 €112

$101 $101

24.69%

1-bedroom Apartment, City Center (Monthly)

$1,945 €1,735

$1,013 $1,013

91.93%

1-bedroom Apartment, Outside City Center (Monthly)

$1,558 €1,390

$790 $790

97.27%

3-bedroom Apartment, City Center (Monthly)

$3,128 €2,791

$1,627 $1,627

92.26%

3-bedroom Apartment, Outside City Center (Monthly)

$2,229 €1,989

$1,363 $1,363

63.49%

Buy Apartment in City Center (m2)

$7,109 €6,343

$2,459 $2,459

189.15%

Buy Apartment Outside City Center (m2)

$4,877 €4,351

$1,688 $1,688

188.86%

Average Monthly Net Salary (After Tax)

$4,245 €3,787

$3,858 $3,858

10.01%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.23

6.43

-49.77%

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

Last update for Utrecht: October 26, 2026

Last update for Fargo, ND: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Utrecht

$1.6K 52.2%

Fargo, ND

$790 37.1% 49.3% $768

Eating Out

Utrecht

$356 11.9%

Fargo, ND

$300 14.1% 15.6% $56

Groceries & Markets

Utrecht

$352 11.8%

Fargo, ND

$522 24.6% 48.2% $170

Monthly Utilities & Internet

Utrecht

$315 10.5%

Fargo, ND

$253 11.9% 19.7% $62

Clothing & Footwear

Utrecht

$168 5.6%

Fargo, ND

$127 6% 24.4% $41

Getting Around

Utrecht

$164 5.5%

Fargo, ND

$55 * 2.6% 66.5% $109

Sport & Entertainment

Utrecht

$74 2.5%

Fargo, ND

$80 3.8% 7.4% $5.5

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

Cost Breakdown

A central one-bedroom costs $1,945 in Utrecht versus $1,013 in Fargo, ND. 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 10% 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 $84 in Utrecht versus $59 in Fargo, ND. Groceries tell a different story – $352 in Utrecht vs $522 in Fargo, ND – so Utrecht wins on supermarket bills even if dining out costs more.

Good to know

🇳🇱 Utrecht

🇺🇸 Fargo, ND

🕒 Local time

21:33 9:33 PM

14:33 2:33 PM

7 h behind Utrecht

🌤 Weather

👥 Population

367,947

90,056

💱 Currency

Euro EUR €

United States Dollar USD $

📈 Exchange rate

1 EUR = 1.12 USD

1 USD = 0.892 EUR

Exchange rates and currency converter

On the map

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Between locations

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

From you

Utrecht
Fargo, ND

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

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

Utrecht costs about 40% more than Fargo, ND, and outside of rent the gap comes mainly from transport. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $4,481 per month in Utrecht and $3,191 in Fargo, ND. 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: a one-bedroom in the center costs $1,013 there versus $1,945 in Utrecht.

A mid-range dinner for two costs $84 in Utrecht and $59 in Fargo, ND. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $2,987 in Utrecht and $2,127 in Fargo, ND. That makes Fargo, ND about 29% cheaper.

$2,000 is a stretch for both – monthly costs hit $2,987 in Utrecht and $2,127 in Fargo, ND. You’ll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. Fargo, ND costs $2,127 versus $2,987 in Utrecht. Both appeal to remote workers, and the cost gap matters when income varies month to month.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

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