Fargo ND vs Phoenix AZ — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Fargo, ND
North Dakota · Population: 129,064
- Median HH Income$66,029
- Median Home Price$318,584
- Unemployment3.9%
- Bachelor's+43.2%
Phoenix, AZ
Arizona · Population: 1,624,832
- Median HH Income$77,041
- Median Home Price$411,323
- Unemployment5.1%
- Bachelor's+32.3%
Detailed Comparison
Demographics
Population
Fargo
129,064
Phoenix
1,624,832
Phoenix +
Pop. Density / sq mi
Lower = more space
Fargo
N/A
Phoenix
N/A
Median Age
Fargo
32.2
Fargo +
Phoenix
34.8
Foreign Born
Fargo
9.7%
Phoenix
19.0%
Phoenix +
White
Fargo
80.8%
Fargo +
Phoenix
53.7%
Black
Fargo
8.3%
Fargo +
Phoenix
7.8%
Asian
Fargo
3.9%
Phoenix
3.9%
Phoenix +
Hispanic
Fargo
3.7%
Phoenix
41.8%
Phoenix +
Spanish at Home
Fargo
N/A
Phoenix
N/A
| Metric | Fargo, ND | Phoenix, AZ | Better |
|---|---|---|---|
| Population | 129,064 | 1,624,832 | Phoenix + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 32.2 | 34.8 | Fargo + |
| Foreign Born | 9.7% | 19.0% | Phoenix + |
| White | 80.8% | 53.7% | Fargo + |
| Black | 8.3% | 7.8% | Fargo + |
| Asian | 3.9% | 3.9% | Phoenix + |
| Hispanic | 3.7% | 41.8% | Phoenix + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Fargo
$66,029
Phoenix
$77,041
Phoenix +
Per Capita Income
Fargo
$42,212
Fargo +
Phoenix
$40,309
Per Capita Personal Income (MSA)
BEA MSA-level
Fargo
$71,089
Fargo +
Phoenix
$59,120
Unemployment Rate
Fargo
3.9%
Fargo +
Phoenix
5.1%
Poverty Rate
Fargo
12.8%
Fargo +
Phoenix
14.3%
Bachelor's Degree+
Fargo
43.2%
Fargo +
Phoenix
32.3%
| Metric | Fargo, ND | Phoenix, AZ | Better |
|---|---|---|---|
| Median HH Income | $66,029 | $77,041 | Phoenix + |
| Per Capita Income | $42,212 | $40,309 | Fargo + |
| Per Capita Personal Income (MSA)BEA MSA-level | $71,089 | $59,120 | Fargo + |
| Unemployment Rate | 3.9% | 5.1% | Fargo + |
| Poverty Rate | 12.8% | 14.3% | Fargo + |
| Bachelor's Degree+ | 43.2% | 32.3% | Fargo + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Fargo
$318,584
Fargo +
Phoenix
$411,323
Homeownership Rate
Fargo
44.1%
Phoenix
57.1%
Phoenix +
| Metric | Fargo, ND | Phoenix, AZ | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $318,584 | $411,323 | Fargo + |
| Homeownership Rate | 44.1% | 57.1% | Phoenix + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Fargo
288
Fargo +
Phoenix
450
Property Crime / 100K
FBI CDE (state-level est.)
Fargo
2037
Fargo +
Phoenix
2150
| Metric | Fargo, ND | Phoenix, AZ | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 288 | 450 | Fargo + |
| Property Crime / 100KFBI CDE (state-level est.) | 2037 | 2150 | Fargo + |
Health
Obesity Rate
CDC PLACES
Fargo
34.3%
Phoenix
32.3%
Phoenix +
Diabetes Rate
CDC PLACES
Fargo
8.1%
Fargo +
Phoenix
10.8%
Poor Mental Health
CDC PLACES — 14+ days/month
Fargo
14.5%
Fargo +
Phoenix
16.2%
No Health Insurance
CDC PLACES
Fargo
6.8%
Fargo +
Phoenix
17.3%
Binge Drinking
CDC PLACES
Fargo
21.5%
Phoenix
16.3%
Phoenix +
Current Smokers
CDC PLACES
Fargo
11.8%
Fargo +
Phoenix
12.2%
| Metric | Fargo, ND | Phoenix, AZ | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 34.3% | 32.3% | Phoenix + |
| Diabetes RateCDC PLACES | 8.1% | 10.8% | Fargo + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 14.5% | 16.2% | Fargo + |
| No Health InsuranceCDC PLACES | 6.8% | 17.3% | Fargo + |
| Binge DrinkingCDC PLACES | 21.5% | 16.3% | Phoenix + |
| Current SmokersCDC PLACES | 11.8% | 12.2% | Fargo + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Fargo
42.4°F
Fargo +
Phoenix
72.1°F
Annual Precipitation
NOAA 1991–2020 normal
Fargo
22.6 in
Phoenix
10.8 in
Phoenix +
| Metric | Fargo, ND | Phoenix, AZ | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 42.4°F | 72.1°F | Fargo + |
| Annual PrecipitationNOAA 1991–2020 normal | 22.6 in | 10.8 in | Phoenix + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Fargo
8.6 µg/m³
Phoenix
7.1 µg/m³
Phoenix +
Good Air Days
AQI ≤ 50
Fargo
75.0%
Phoenix
75.0%
Tie
| Metric | Fargo, ND | Phoenix, AZ | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 8.6 µg/m³ | 7.1 µg/m³ | Phoenix + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Fargo
17.3 min
Fargo +
Phoenix
27.7 min
| Metric | Fargo, ND | Phoenix, AZ | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 17.3 min | 27.7 min | Fargo + |
Which City is Right for You?
Phoenix leads in median household income at $77,041, while fargo offers more affordable housing with a median home price of $318,584. On public safety, Fargo is safer with a violent crime rate of 288 per 100,000 residents, compared to 450 in Phoenix. Fargo has a lower unemployment rate at 3.9%, and Phoenix has cleaner air (PM2.5 avg 7.1 µg/m³). For overall health outcomes, Phoenix scores better with a lower obesity rate of 32.3%.
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