Cincinnati OH vs Fargo ND — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Cincinnati, OH
Ohio · Population: 309,595
- Median HH Income$51,707
- Median Home Price$252,784
- Unemployment6.8%
- Bachelor's+41.3%
Fargo, ND
North Dakota · Population: 129,064
- Median HH Income$66,029
- Median Home Price$318,584
- Unemployment3.9%
- Bachelor's+43.2%
Detailed Comparison
Demographics
Population
Cincinnati
309,595
Cincinnati +
Fargo
129,064
Pop. Density / sq mi
Lower = more space
Cincinnati
N/A
Fargo
N/A
Median Age
Cincinnati
33.0
Fargo
32.2
Fargo +
Foreign Born
Cincinnati
7.1%
Fargo
9.7%
Fargo +
White
Cincinnati
49.4%
Fargo
80.8%
Fargo +
Black
Cincinnati
38.7%
Cincinnati +
Fargo
8.3%
Asian
Cincinnati
2.8%
Fargo
3.9%
Fargo +
Hispanic
Cincinnati
5.4%
Cincinnati +
Fargo
3.7%
Spanish at Home
Cincinnati
N/A
Fargo
N/A
| Metric | Cincinnati, OH | Fargo, ND | Better |
|---|---|---|---|
| Population | 309,595 | 129,064 | Cincinnati + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 33.0 | 32.2 | Fargo + |
| Foreign Born | 7.1% | 9.7% | Fargo + |
| White | 49.4% | 80.8% | Fargo + |
| Black | 38.7% | 8.3% | Cincinnati + |
| Asian | 2.8% | 3.9% | Fargo + |
| Hispanic | 5.4% | 3.7% | Cincinnati + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Cincinnati
$51,707
Fargo
$66,029
Fargo +
Per Capita Income
Cincinnati
$38,878
Fargo
$42,212
Fargo +
Per Capita Personal Income (MSA)
BEA MSA-level
Cincinnati
$58,300
Fargo
$71,089
Fargo +
Unemployment Rate
Cincinnati
6.8%
Fargo
3.9%
Fargo +
Poverty Rate
Cincinnati
24.5%
Fargo
12.8%
Fargo +
Bachelor's Degree+
Cincinnati
41.3%
Fargo
43.2%
Fargo +
| Metric | Cincinnati, OH | Fargo, ND | Better |
|---|---|---|---|
| Median HH Income | $51,707 | $66,029 | Fargo + |
| Per Capita Income | $38,878 | $42,212 | Fargo + |
| Per Capita Personal Income (MSA)BEA MSA-level | $58,300 | $71,089 | Fargo + |
| Unemployment Rate | 6.8% | 3.9% | Fargo + |
| Poverty Rate | 24.5% | 12.8% | Fargo + |
| Bachelor's Degree+ | 41.3% | 43.2% | Fargo + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Cincinnati
$252,784
Cincinnati +
Fargo
$318,584
Homeownership Rate
Cincinnati
38.9%
Fargo
44.1%
Fargo +
| Metric | Cincinnati, OH | Fargo, ND | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $252,784 | $318,584 | Cincinnati + |
| Homeownership Rate | 38.9% | 44.1% | Fargo + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Cincinnati
319
Fargo
288
Fargo +
Property Crime / 100K
FBI CDE (state-level est.)
Cincinnati
1866
Cincinnati +
Fargo
2037
| Metric | Cincinnati, OH | Fargo, ND | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 319 | 288 | Fargo + |
| Property Crime / 100KFBI CDE (state-level est.) | 1866 | 2037 | Cincinnati + |
Health
Obesity Rate
CDC PLACES
Cincinnati
38.3%
Fargo
34.3%
Fargo +
Diabetes Rate
CDC PLACES
Cincinnati
14.1%
Fargo
8.1%
Fargo +
Poor Mental Health
CDC PLACES — 14+ days/month
Cincinnati
19.8%
Fargo
14.5%
Fargo +
No Health Insurance
CDC PLACES
Cincinnati
9.6%
Fargo
6.8%
Fargo +
Binge Drinking
CDC PLACES
Cincinnati
17.0%
Cincinnati +
Fargo
21.5%
Current Smokers
CDC PLACES
Cincinnati
16.1%
Fargo
11.8%
Fargo +
| Metric | Cincinnati, OH | Fargo, ND | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 38.3% | 34.3% | Fargo + |
| Diabetes RateCDC PLACES | 14.1% | 8.1% | Fargo + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 19.8% | 14.5% | Fargo + |
| No Health InsuranceCDC PLACES | 9.6% | 6.8% | Fargo + |
| Binge DrinkingCDC PLACES | 17.0% | 21.5% | Cincinnati + |
| Current SmokersCDC PLACES | 16.1% | 11.8% | Fargo + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Cincinnati
54.2°F
Fargo
42.4°F
Fargo +
Annual Precipitation
NOAA 1991–2020 normal
Cincinnati
47.7 in
Fargo
22.6 in
Fargo +
| Metric | Cincinnati, OH | Fargo, ND | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 54.2°F | 42.4°F | Fargo + |
| Annual PrecipitationNOAA 1991–2020 normal | 47.7 in | 22.6 in | Fargo + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Cincinnati
10.3 µg/m³
Fargo
8.6 µg/m³
Fargo +
Good Air Days
AQI ≤ 50
Cincinnati
55.0%
Fargo
75.0%
Fargo +
| Metric | Cincinnati, OH | Fargo, ND | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 10.3 µg/m³ | 8.6 µg/m³ | Fargo + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Fargo + |
Commute
Mean Commute Time
Census ACS
Cincinnati
24.8 min
Fargo
17.3 min
Fargo +
| Metric | Cincinnati, OH | Fargo, ND | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 24.8 min | 17.3 min | Fargo + |
Which City is Right for You?
Fargo leads in median household income at $66,029, while cincinnati offers more affordable housing with a median home price of $252,784. On public safety, Fargo is safer with a violent crime rate of 288 per 100,000 residents, compared to 319 in Cincinnati. Fargo has a lower unemployment rate at 3.9%, and Fargo has cleaner air (PM2.5 avg 8.6 µg/m³). For overall health outcomes, Fargo scores better with a lower obesity rate of 34.3%.
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