Bismarck’s cost of living remains lower than the national average, but nearby cities in ND and MN show different strengths in affordability and lifestyle.
Bismarck continues to balance affordable living with access to healthcare, education, and outdoor amenities. But how does the capital city compare to Fargo, Minot, and nearby regional hubs like Sioux Falls, SD, and Minneapolis, MN?
According to the latest 2025 cost-of-living reports, Bismarck’s overall expenses are about 9% lower than the national average. Housing remains more affordable compared to Minneapolis or Sioux Falls, with median home prices in the Bismarck-Mandan region sitting around $288,000. Rent has climbed over the past decade—now averaging about $1,465/month—but still falls below Fargo’s downtown rates and well under larger metros like Minneapolis, where median rents exceed $1,800/month.
Commuting is another differentiator. The average drive time in Bismarck is 16 minutes, significantly shorter than Fargo’s 20 minutes or Minneapolis’ nearly 30 minutes. Amenities, however, vary: Fargo offers a larger arts and entertainment scene, while Bismarck’s draw continues to be its balance of city services with easy access to outdoor recreation.
For Bismarck residents, affordability and quality of life remain selling points, especially compared to growing regional competitors. Families often highlight shorter commutes, safe neighborhoods, and accessible healthcare as reasons they stay. At the same time, local officials recognize that rising rent and home prices could shift the affordability equation if incomes do not keep pace.
“Bismarck is still affordable compared to many places, but housing prices have climbed,” noted Mark Schmidt, a local realtor. “Young professionals are watching Fargo for job growth, but many prefer Bismarck’s slower pace.”
City leaders have also weighed in. “Maintaining affordability is critical as we grow,” said Bismarck City Commissioner Nancy Guy. “We want to make sure families can live, work, and thrive here without being priced out.”
The Bottom Line
Bismarck holds its ground as one of North Dakota’s most balanced cities for affordability, amenities, and quality of life. While Fargo may offer more job opportunities and Minneapolis more big-city experiences, Bismarck’s appeal lies in its livability—safe neighborhoods, short commutes, and strong community ties. As growth continues, the challenge will be preserving these advantages while managing rising housing costs.
