New York vs North Dakota Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$59,618
in New York
$82,327
in North Dakota
Each cell = 1% of purchasing power. Green = value, red = gap.
Spending breakdown
Estimated annual spending on a $75,000 salary
What things actually cost
Real dollar costs side by side
Category breakdown
| Category | New York | North Dakota | Difference |
|---|---|---|---|
| Housing | 174.7 | 75.7 | +131% |
| Groceries | 103.3 | 96.8 | +7% |
| Utilities | 101.5 | 83.2 | +22% |
| Transportation | 108.1 | 99.9 | +8% |
| Healthcare | 110.9 | 108.8 | +2% |
| Dining & Misc | 105.8 | 99.2 | +7% |
| Overall | 125.8 | 91.1 | +38% |
Index values relative to national average (100). Positive difference = more expensive in New York.
What things actually cost
| Item | New York | North Dakota | Difference |
|---|---|---|---|
| Median home price | $450,000 | $255,000 | +$195,000 |
| Average 2BR rent | $2,446/mo | $1,060/mo | +$1,386 |
| Gas price | $3.47/gal | $3.08/gal | +$0.39 |
| Electric bill | $174/mo | $70/mo | +$104 |
| Infant childcare | $17,361/yr | $12,373/yr | +$4,988 |
Salary equivalent: New York → North Dakota
What a New York salary buys you in North Dakota, adjusted for cost of living.
| Salary in New York | Equivalent in North Dakota | Difference |
|---|---|---|
| $50,000 | $36,208 | +$13,792 |
| $75,000 | $54,312 | +$20,688 |
| $100,000 | $72,417 | +$27,583 |
| $150,000 | $108,625 | +$41,375 |
| $200,000 | $144,833 | +$55,167 |
Positive = your money goes further in North Dakota. Based on overall COL index ratio.
Based on MERIC/C2ER 2025 composite indices. Dollar amounts from AAA, EIA, Zillow, and Child Care Aware.
Overview
New York is 38% more expensive than North Dakota overall. New York has an index of 125.8 vs 91.1 for North Dakota (national average = 100).
FAQ
Is it cheaper to live in New York or North Dakota?
North Dakota is cheaper to live in. New York is 38% more expensive overall. The biggest driver is housing — median home prices are $450,000 in New York vs $255,000 in North Dakota.
Is North Dakota cheaper than New York?
Yes, North Dakota is 38% cheaper than New York overall based on the MERIC/C2ER cost-of-living index. Housing, groceries, and utilities all factor into the difference.
Is New York more expensive than North Dakota?
Yes, New York is 38% more expensive than North Dakota based on the MERIC/C2ER composite index. Housing is typically the largest factor in the difference.
What salary in North Dakota equals $100,000 in New York?
To maintain the same purchasing power as a $100,000 salary in New York, you would need approximately $72,417 in North Dakota. This is based on the overall cost-of-living index (125.8 vs 91.1).
How do housing costs compare between New York and North Dakota?
Housing is significantly cheaper in North Dakota. Median home prices are $450,000 in New York vs $255,000 in North Dakota — a $195,000 difference. Average 2-bedroom rent is $2,446/mo vs $1,060/mo.
What costs more in New York vs North Dakota?
Housing is 131% higher in New York (index 174.7 vs 75.7). Utilities is 22% higher in New York (index 101.5 vs 83.2). Transportation is 8% higher in New York (index 108.1 vs 99.9).
Is gas cheaper in New York or North Dakota?
Gas averages $3.47/gallon in New York and $3.08/gallon in North Dakota — a $0.39 difference per gallon.
New York vs North Dakota cost of living — how do they compare?
New York has an overall cost-of-living index of 125.8 and North Dakota has 91.1 (national average = 100). New York is 38% more expensive overall. Use the calculator above to see how this affects your specific salary.
How do taxes compare between New York and North Dakota?
Cost of living is only part of the picture — state income taxes also affect your take-home pay. New York has a progressive income tax up to 10.90%, and NYC residents pay an additional city income tax of up to 3.876%. North Dakota has a progressive income tax with very low rates, topping out at 2.50%. Use the New York vs North Dakota paycheck comparison to see how a specific salary compares after federal and state taxes, FICA, and deductions.
Do I need to file state tax returns in New York and North Dakota?
New York requires residents to file a state income tax return annually, typically due April 15. North Dakota requires residents to file a state income tax return annually, typically due April 15. If you move between states mid-year, you typically file a part-year resident return in each state for the income earned while living there.
Where does this cost of living data come from?
Cost-of-living indices are from the MERIC/C2ER 2025 Annual Average. Dollar amounts use AAA gas prices (March 2025), EIA electricity rates (2024), Child Care Aware childcare costs (2024), Zillow home values (2024-2025), and BEA Regional Price Parities.
Related tools
- New York Cost of Living — Housing, groceries, gas, and more
- North Dakota Cost of Living — Housing, groceries, gas, and more
- New York vs North Dakota Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in New York — How much house can you afford?
- House Affordability in North Dakota — How much house can you afford?
- New York Tax Brackets — See 2026 marginal rates
- North Dakota Tax Brackets — See 2026 marginal rates
- New York Mortgage Calculator — Estimate monthly payments with local rates
- North Dakota Mortgage Calculator — Estimate monthly payments with local rates
- New York Bonus Tax Calculator — See how bonuses are taxed differently
- North Dakota Bonus Tax Calculator — See how bonuses are taxed differently
- Gross-Up Calculator — Find the salary you need to hit a target take-home
- Salary to Hourly Converter — Convert annual salary to hourly rate
- Compare any two states
Based on MERIC/C2ER 2025 composite indices and publicly available price data. Cost of living varies significantly by metro area within a state. These are statewide averages.