North Dakota vs Tennessee Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$82,327
in North Dakota
$83,241
in Tennessee
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 | North Dakota | Tennessee | Difference |
|---|---|---|---|
| Housing | 75.7 | 82.4 | -8% |
| Groceries | 96.8 | 96.8 | 0% |
| Utilities | 83.2 | 88.1 | -6% |
| Transportation | 99.9 | 88.7 | +13% |
| Healthcare | 108.8 | 86.4 | +26% |
| Dining & Misc | 99.2 | 95.3 | +4% |
| Overall | 91.1 | 90.1 | +1% |
Index values relative to national average (100). Positive difference = more expensive in North Dakota.
What things actually cost
| Item | North Dakota | Tennessee | Difference |
|---|---|---|---|
| Median home price | $255,000 | $310,000 | $55,000 |
| Average 2BR rent | $1,060/mo | $1,154/mo | $94 |
| Gas price | $3.08/gal | $3.14/gal | $0.06 |
| Electric bill | $70/mo | $97/mo | $26 |
| Infant childcare | $12,373/yr | $12,249/yr | +$124 |
Salary equivalent: North Dakota → Tennessee
What a North Dakota salary buys you in Tennessee, adjusted for cost of living.
| Salary in North Dakota | Equivalent in Tennessee | Difference |
|---|---|---|
| $50,000 | $49,451 | +$549 |
| $75,000 | $74,177 | +$823 |
| $100,000 | $98,902 | +$1,098 |
| $150,000 | $148,353 | +$1,647 |
| $200,000 | $197,805 | +$2,195 |
Positive = your money goes further in Tennessee. Based on overall COL index ratio.
Based on MERIC/C2ER 2025 composite indices. Dollar amounts from AAA, EIA, Zillow, and Child Care Aware.
Overview
North Dakota and Tennessee have nearly identical costs of living, with overall indices of 91.1 and 90.1 (national average = 100).
FAQ
Is it cheaper to live in North Dakota or Tennessee?
North Dakota and Tennessee have roughly the same cost of living, with less than 1% difference in the MERIC/C2ER composite index.
Is Tennessee cheaper than North Dakota?
North Dakota and Tennessee cost roughly the same to live in.
Is North Dakota more expensive than Tennessee?
North Dakota and Tennessee have nearly identical costs of living — the difference is less than 1%.
What salary in Tennessee equals $100,000 in North Dakota?
To maintain the same purchasing power as a $100,000 salary in North Dakota, you would need approximately $98,902 in Tennessee. This is based on the overall cost-of-living index (91.1 vs 90.1).
How do housing costs compare between North Dakota and Tennessee?
Housing is significantly cheaper in North Dakota. Median home prices are $255,000 in North Dakota vs $310,000 in Tennessee — a $55,000 difference. Average 2-bedroom rent is $1,060/mo vs $1,154/mo.
What costs more in North Dakota vs Tennessee?
Healthcare is 26% higher in North Dakota (index 108.8 vs 86.4). Transportation is 13% higher in North Dakota (index 99.9 vs 88.7). Housing is 8% lower in North Dakota (index 75.7 vs 82.4).
Is gas cheaper in North Dakota or Tennessee?
Gas averages $3.08/gallon in North Dakota and $3.14/gallon in Tennessee — a $0.06 difference per gallon.
North Dakota vs Tennessee cost of living — how do they compare?
North Dakota has an overall cost-of-living index of 91.1 and Tennessee has 90.1 (national average = 100). They are nearly identical. Use the calculator above to see how this affects your specific salary.
How do taxes compare between North Dakota and Tennessee?
Cost of living is only part of the picture — state income taxes also affect your take-home pay. North Dakota has a progressive income tax with very low rates, topping out at 2.50%. Tennessee has no state income tax on wages. It fully repealed its tax on investment income in 2021. Use the North Dakota vs Tennessee 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 North Dakota and Tennessee?
North Dakota requires residents to file a state income tax return annually, typically due April 15. Tennessee has no state income tax, so residents do not file a state tax return. 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
- North Dakota Cost of Living — Housing, groceries, gas, and more
- Tennessee Cost of Living — Housing, groceries, gas, and more
- North Dakota vs Tennessee Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in North Dakota — How much house can you afford?
- House Affordability in Tennessee — How much house can you afford?
- North Dakota Tax Brackets — See 2026 marginal rates
- Tennessee Tax Brackets — See 2026 marginal rates
- North Dakota Mortgage Calculator — Estimate monthly payments with local rates
- Tennessee Mortgage Calculator — Estimate monthly payments with local rates
- North Dakota Bonus Tax Calculator — See how bonuses are taxed differently
- Tennessee 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.