Fargo ND vs Waco TX — 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%
Waco, TX
Texas · Population: 141,925
- Median HH Income$51,468
- Median Home Price$196,465
- Unemployment4.4%
- Bachelor's+28.6%
Detailed Comparison
Demographics
Population
Fargo
129,064
Waco
141,925
Waco +
Pop. Density / sq mi
Lower = more space
Fargo
N/A
Waco
N/A
Median Age
Fargo
32.2
Waco
29.2
Waco +
Foreign Born
Fargo
9.7%
Waco
9.8%
Waco +
White
Fargo
80.8%
Fargo +
Waco
54.0%
Black
Fargo
8.3%
Waco
20.4%
Waco +
Asian
Fargo
3.9%
Fargo +
Waco
2.0%
Hispanic
Fargo
3.7%
Waco
29.9%
Waco +
Spanish at Home
Fargo
N/A
Waco
N/A
| Metric | Fargo, ND | Waco, TX | Better |
|---|---|---|---|
| Population | 129,064 | 141,925 | Waco + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 32.2 | 29.2 | Waco + |
| Foreign Born | 9.7% | 9.8% | Waco + |
| White | 80.8% | 54.0% | Fargo + |
| Black | 8.3% | 20.4% | Waco + |
| Asian | 3.9% | 2.0% | Fargo + |
| Hispanic | 3.7% | 29.9% | Waco + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Fargo
$66,029
Fargo +
Waco
$51,468
Per Capita Income
Fargo
$42,212
Fargo +
Waco
$28,819
Per Capita Personal Income (MSA)
BEA MSA-level
Fargo
$71,089
Fargo +
Waco
$63,758
Unemployment Rate
Fargo
3.9%
Fargo +
Waco
4.4%
Poverty Rate
Fargo
12.8%
Fargo +
Waco
24.0%
Bachelor's Degree+
Fargo
43.2%
Fargo +
Waco
28.6%
| Metric | Fargo, ND | Waco, TX | Better |
|---|---|---|---|
| Median HH Income | $66,029 | $51,468 | Fargo + |
| Per Capita Income | $42,212 | $28,819 | Fargo + |
| Per Capita Personal Income (MSA)BEA MSA-level | $71,089 | $63,758 | Fargo + |
| Unemployment Rate | 3.9% | 4.4% | Fargo + |
| Poverty Rate | 12.8% | 24.0% | Fargo + |
| Bachelor's Degree+ | 43.2% | 28.6% | Fargo + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Fargo
$318,584
Waco
$196,465
Waco +
Homeownership Rate
Fargo
44.1%
Waco
48.9%
Waco +
| Metric | Fargo, ND | Waco, TX | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $318,584 | $196,465 | Waco + |
| Homeownership Rate | 44.1% | 48.9% | Waco + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Fargo
288
Fargo +
Waco
442
Property Crime / 100K
FBI CDE (state-level est.)
Fargo
2037
Fargo +
Waco
2339
| Metric | Fargo, ND | Waco, TX | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 288 | 442 | Fargo + |
| Property Crime / 100KFBI CDE (state-level est.) | 2037 | 2339 | Fargo + |
Health
Obesity Rate
CDC PLACES
Fargo
34.3%
Fargo +
Waco
36.8%
Diabetes Rate
CDC PLACES
Fargo
8.1%
Fargo +
Waco
13.0%
Poor Mental Health
CDC PLACES — 14+ days/month
Fargo
14.5%
Fargo +
Waco
20.4%
No Health Insurance
CDC PLACES
Fargo
6.8%
Fargo +
Waco
20.4%
Binge Drinking
CDC PLACES
Fargo
21.5%
Waco
16.2%
Waco +
Current Smokers
CDC PLACES
Fargo
11.8%
Fargo +
Waco
15.1%
| Metric | Fargo, ND | Waco, TX | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 34.3% | 36.8% | Fargo + |
| Diabetes RateCDC PLACES | 8.1% | 13.0% | Fargo + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 14.5% | 20.4% | Fargo + |
| No Health InsuranceCDC PLACES | 6.8% | 20.4% | Fargo + |
| Binge DrinkingCDC PLACES | 21.5% | 16.2% | Waco + |
| Current SmokersCDC PLACES | 11.8% | 15.1% | Fargo + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Fargo
42.4°F
Fargo +
Waco
66.6°F
Annual Precipitation
NOAA 1991–2020 normal
Fargo
22.6 in
Fargo +
Waco
36.4 in
| Metric | Fargo, ND | Waco, TX | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 42.4°F | 66.6°F | Fargo + |
| Annual PrecipitationNOAA 1991–2020 normal | 22.6 in | 36.4 in | Fargo + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Fargo
8.6 µg/m³
Fargo +
Waco
9.2 µg/m³
Good Air Days
AQI ≤ 50
Fargo
75.0%
Fargo +
Waco
55.0%
| Metric | Fargo, ND | Waco, TX | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 8.6 µg/m³ | 9.2 µg/m³ | Fargo + |
| Good Air DaysAQI ≤ 50 | 75.0% | 55.0% | Fargo + |
Commute
Mean Commute Time
Census ACS
Fargo
17.3 min
Fargo +
Waco
19.7 min
| Metric | Fargo, ND | Waco, TX | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 17.3 min | 19.7 min | Fargo + |
Which City is Right for You?
Fargo leads in median household income at $66,029, while waco offers more affordable housing with a median home price of $196,465. On public safety, Fargo is safer with a violent crime rate of 288 per 100,000 residents, compared to 442 in Waco. 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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