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

Monthly Cost of Living

A single person spends $2,947 per month in Utrecht vs $2,100 in Fargo, ND, rent included.

A couple spends around $4,160 per month in Utrecht vs $3,236 in Fargo, ND, rent included.

A family of three spends $5,373 per month in Utrecht vs $4,372 in Fargo, ND, rent included.

Utrecht costs about 40% more than Fargo, ND, driven mainly by Groceries & Markets.

Both Utrecht and Fargo, ND sit above the global median – Utrecht by 120%, Fargo, ND by 57%.

Meal at Budget Restaurant

$21.14 €18.34

$14.72 $14.72

43.61%

Three-Course Dinner for Two, Mid-Range

$87.5 €76.0

$50.4 $50.4

73.72%

Fast Food Meal (McDonalds, etc)

$13.95 €12.11

$10.84 $10.84

28.69%

Cappuccino

$4.39 €3.81

$5.37 $5.37

-18.25%

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

$3.95 €3.43

$2.56 $2.56

54.30%

Water (0.33 liter bottle)

$3.15 €2.73

$2.01 $2.01

56.72%

Local Beer (0.5 liter draught)

$7.03 €6.10

$5.74 $5.74

22.47%

Imported Beer (0.33 liter bottle)

$5.86 €5.08

$8.29 $8.29

-29.31%

Milk (1 liter)

$1.35 €1.17

$1.22 $1.22

10.66%

White Bread (500g)

$2.52 €2.18

$3.39 $3.39

-25.66%

Rice (white) (1kg)

$3.00 €2.61

$5.86 $5.86

-48.81%

Eggs

$5.39 €4.67

$4.03 $4.03

33.75%

Local Cheese (1kg)

$14.04 €12.18

$12.30 $12.30

14.15%

Chicken Fillets (1kg)

$16.53 €14.34

$15.17 $15.17

8.97%

Beef Round Steak (1kg)

$17.40 €15.09

$19.24 $19.24

-9.56%

Apples (1kg)

$2.35 €2.03

$8.18 $8.18

-71.27%

Banana (1kg)

$2.48 €2.15

$2.71 $2.71

-8.49%

Oranges (1kg)

$1.93 €1.67

$6.37 $6.37

-69.70%

Tomato (1kg)

$3.70 €3.21

$4.78 $4.78

-22.59%

Potato (1kg)

$1.94 €1.68

$3.75 $3.75

-48.27%

Onion (1kg)

$2.23 €1.94

$3.52 $3.52

-36.65%

Lettuce (1 head)

$1.36 €1.18

$1.96 $1.96

-30.61%

Water (1.5 liter bottle)

$1.13 €0.98

$2.62 $2.62

-56.87%

Cigarettes 20 Pack (Marlboro, Camel)

$14.32 €12.42

$9.15 $9.15

56.50%

Wine (Bottle)

$7.22 €6.26

$18.81 $18.81

-61.62%

Local Beer (0.5 liter bottle)

$1.46 €1.27

$2.55 $2.55

-42.75%

Imported Beer (0.33 liter bottle)

$2.67 €2.32

$4.93 $4.93

-45.84%

One-way Ticket (Public Transport)

$3.48 €3.02

$1.47 $1.47

136.73%

Public Transport Monthly Pass (Regular Price)

$75.2 €65.2

$41.80 $41.80

79.81%

Taxi Start (Normal Tariff)

$3.68 €3.19

$4.58 $4.58

-19.65%

Taxi (Normal Tariff) (1km)

$2.54 €2.21

$1.63 $1.63

55.83%

Taxi 1hour Waiting (Normal Tariff)

$26.59 €23.07

$28.94 $28.94

-8.12%

Gasoline (1 liter)

$2.27 €1.97

$0.85 $0.85

167.06%

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

$39.8K €34.5K

$32.6K $32.6K

21.98%

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

$39.8K €34.6K

$25.2K $25.2K

58.19%

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

$296 €257

$162 $162

82.09%

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

$26.03 €22.59

$54.8 $54.8

-52.51%

Internet (50+ Mbps, Unlimited Data)

$46.51 €40.35

$57.0 $57.0

-18.39%

Gym Membership (Monthly)

$46.94 €40.72

$54.4 $54.4

-13.67%

Tennis Court (1 Hour on Weekend)

$23.19 €20.12

Cinema Ticket

$15.92 €13.81

$13.90 $13.90

14.53%

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

$2,609 €2,264

$1,223 $1,223

113.29%

International Primary School, 1 Child (Yearly)

$11.2K €9,703

$23.2K $23.2K

-51.73%

Jeans (Levis 501 Or Similar)

$115 €99.3

$50.1 $50.1

128.54%

Summer Dress (H&M, Zara, etc)

$60.7 €52.6

$46.64 $46.64

30.04%

Sport Shoes (Adidas, Nike)

$108 €93.4

$90.9 $90.9

18.39%

Men's Leather Business Shoes

$130 €113

$109 $109

19.31%

1-bedroom Apartment, City Center (Monthly)

$1,888 €1,638

$946 $946

99.65%

1-bedroom Apartment, Outside City Center (Monthly)

$1,521 €1,319

$746 $746

103.74%

3-bedroom Apartment, City Center (Monthly)

$2,826 €2,451

$2,523 $2,523

12.00%

3-bedroom Apartment, Outside City Center (Monthly)

$2,241 €1,945

$1,528 $1,528

46.65%

Buy Apartment in City Center (m2)

$8,022 €6,960

$1,802 $1,802

345.16%

Buy Apartment Outside City Center (m2)

$5,872 €5,095

$1,806 $1,806

225.24%

Average Monthly Net Salary (After Tax)

$4,615 €4,004

$3,727 $3,727

23.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.39

6.56

-33.08%

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

Last update for Utrecht: May 30, 2026

Last update for Fargo, ND: May 31, 2026

Cost Breakdown

A central one-bedroom costs $1,888 in Utrecht versus $946 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 24% 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 $88.0 in Utrecht versus $50.0 in Fargo, ND. Groceries tell a different story – $358 in Utrecht vs $480 in Fargo, ND – 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

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

Utrecht costs about 40% 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 $4,420 per month in Utrecht and $3,151 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $88.0 in Utrecht and $50.0 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 $2,947 in Utrecht and $2,100 in Fargo, ND. 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 $2,100, than in Utrecht at $2,947. 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 $2,100 versus $2,947 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.