Moving from Colorado to North Dakota
Moving to North Dakota on the same salary raises your real buying power by 21.2%. Change the salary below to see your own numbers.
The salary comparison above is for W-2 earnings. Your retirement income and budget results appear in the calculator below.
State-median gross rent (2024 ACS): $1,822/month in Colorado and $980/month in North Dakota. These are state benchmarks, not current rental quotes or your own housing costs. Compare your salary offer, housing and moving-cost recovery using the personal-budget option in the calculator.
Equal salary in ND: $75,800
To keep the same lifestyle, you need about $75,800 in North Dakota to match $95,000 in Colorado ($19,200 less), after 2026 taxes and local prices.
Single filer, W-2 salary, standard deduction.
The renter figure uses ACS gross rent, which includes tenant-paid electricity, gas, water/sewer and fuels. The buyer figure adds electricity separately to mortgage, property tax and insurance. Food, transport, healthcare, other spending and one-time moving costs are excluded. These are selected-cost changes, not total savings. State medians may differ from your neighborhood and current quotes.
| Tax on $95,000 | Colorado | North Dakota |
|---|---|---|
| Federal income tax | $12,070 | $12,070 |
| Social Security + Medicare | $7,268 | $7,268 |
| State income tax | $3,472 | $572 |
| State payroll programs (UI, disability, paid leave, transit) | $418 | $0 |
| Take-home pay | $71,773 | $75,091 |
Key facts: Colorado to North Dakota
- Median rent
- $1,822 → $980/mo
- Median home value
- $574,600 → $266,100
- Price level (U.S. = 100)
- 103.1 → 89.0
- Road distance
- ≈ 710 miles
- Natural hazard risk (FEMA)
- Very high county-score mean → Midrange county-score mean
What changes when you move to North Dakota
- Your state taxes fall by about $3,318 a year on the same $95,000 salary.
- BEA's housing rents price index is 44% lower in North Dakota. Median rent goes from $1,822 to $980 a month and the median home value from $574,600 to $266,100.
- The average home electric bill is $126 a month in North Dakota vs $103 in Colorado (EIA 2025), about $277 a year more.
- Prices for everyday goods are 3% lower (BEA). The statewide sales tax rate is 5% in North Dakota vs 2.9% in Colorado, before local sales taxes.
Who moves from Colorado to North Dakota
In the latest IRS migration data (2022–2023), 451 households (767 people) filed their taxes in North Dakota after filing in Colorado the year before. That makes North Dakota the #44 destination for people leaving Colorado. These households reported an average adjusted gross income of $63,326. Going the other way, 538 households moved from North Dakota to Colorado, a net loss of 87 households for North Dakota.
Five-year trend
Moves from Colorado to North Dakota peaked in 2021–22 at 526 households, then fell 14% by 2022–23. That is still down 2% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Colorado to North Dakota
Moving cost: $580–$8,140
Moving about 710 miles from Colorado to North Dakota costs roughly $580 – $8,140, depending on how much of the work you hire out.
Distance between the states' population centers by road (estimate).
| Moving method | Typical range |
|---|---|
| Rental truck (DIY) Truck rental, taxes and fees. Add fuel, damage coverage, lodging and your time. | $580 – $2,140 |
| Moving container You pack and load; the company drives the container. | $1,390 – $3,160 |
| Full-service movers Loading, transport and unloading. Packing, storage and other extra services may cost more; confirm the written estimate. | $2,280 – $8,140 |
These ranges are based on summer (peak-season) quotes. A move between October and April usually costs less: peak prices run 20–30% higher.
A rental truck also burns about 71 gallons of fuel over this distance. One-way truck rental prices depend on direction: a truck headed where many people are moving often costs more than the same trip in reverse.
Ranges combine 198 published quote ranges on 22 interstate routes (moveBuddha, retrieved 2026-09-24) with 47 independent published prices from U-Pack, HireAHelper and Move.org, which raised the top of several ranges. They are not quotes; get at least three written estimates.
Alaska and Hawaii ranges come from published carrier rates and moving quotes, dated in each row (Matson's household-goods rates, U-Pack, Royal Hawaiian Movers). See how we estimate.
Shipping a car from Colorado to North Dakota
Car shipping: $770–$1,150
Shipping a sedan from Colorado to North Dakota on an open carrier costs about $770–$1,150, typically 3–7 days in transit over about 710 miles.
Modeled from 32 published 2026 route prices (SGT Auto Transport 'Ship a Car to Another State' sample routes, SGT Auto Transport cost calculator sample routes) plus published mainland-to-Hawaii and mainland-to-Alaska prices. Reverse ocean routes reuse those inbound prices as a proxy, not a separately sourced price for that direction. The 25% SUV and 35% enclosed-carrier uplifts are model assumptions; ocean carrier packages and vehicle charges can differ. Not a quote.
Colorado vs North Dakota take-home pay at every salary
| Salary | Equal salary in ND | Take-home change | Take-home in CO | Take-home in ND |
|---|---|---|---|---|
| $50,000 | $41,000 | +$1,712 | $40,643 | $42,355 |
| $75,000 | $60,300 | +$2,740 | $58,671 | $61,411 |
| $100,000 | $79,900 | +$3,462 | $75,048 | $78,511 |
| $150,000 | $120,600 | +$4,907 | $107,239 | $112,147 |
| $250,000 | $203,100 | +$7,509 | $172,079 | $179,588 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
At higher incomes, especially for homeowners, itemizing state and local taxes (deductible up to $40,400 in 2026) can lower your federal tax while you live in Colorado, which narrows the gap shown.
Cost of living: Colorado vs North Dakota
| Measure | Colorado | North Dakota |
|---|---|---|
| Overall price level (U.S. = 100) | 103.1 | 89.0 |
| Housing rents price index | 127.4 | 71.4 |
| Utilities price index | 85.0 | 73.7 |
| Goods price index | 98.7 | 95.7 |
| Median rent (monthly) | $1,822 | $980 |
| Median home value | $574,600 | $266,100 |
| Median property tax (yearly) | $2,828 | $2,550 |
| Electricity (residential) | 17.13¢/kWh | 14.12¢/kWh |
| State sales tax rate | 2.9% | 5% |
| Median household income | $97,113 | $77,871 |
Renting and buying: Colorado vs North Dakota
| Measure | Colorado | North Dakota |
|---|---|---|
| Income to rent the median home (30% rule) | $72,880 | $39,200 |
| Monthly cost to own the median home (20% down) | $3,556 | $1,792 |
| Income needed to buy the median home | $152,405 | $76,783 |
| Homeowners insurance (yearly median, homes with a mortgage) | $2,253 | $1,540 |
| Infant child care (center, yearly) | $20,978 | $12,281 |
Mortgage at the Freddie Mac 30-year average with 20% down, plus the median property tax and the median homeowners insurance that owners with a mortgage paid in 2024 (Census ACS). Premiums have risen in most states since then, so get quotes. See buying a home in North Dakota for other down payments.
Your yearly budget: Colorado vs North Dakota
On a $95,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $55,317 a year in Colorado and $41,275 in North Dakota if you rent: $14,042 less after the move. If you buy the median home, those selected costs use mortgage, property tax, homeowners insurance and electricity instead of gross rent; they come to $77,367 and $52,531 ($24,836 less).
Your yearly budget, before vs after
| Yearly cost | CO | ND | Change |
|---|---|---|---|
| Income and payroll taxes on $95,000, single filer | $23,227 | $19,909 | -$3,318 |
| Car insurance one car, state average | $1,453 | $808 | -$645 |
| Gas 12,000 miles at 25 mpg | $2,089 | $1,958 | -$131 |
| Health insurance one adult, age 40, own plan before subsidies | $6,684 | $6,840 | +$156 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $21,864 | $11,760 | -$10,104 |
| Total if you rent | $55,317 | $41,275 | -$14,042 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $37,593 | $17,409 | -$20,184 |
| Property tax median home | $2,828 | $2,550 | -$278 |
| Homeowners insurance state median, with a mortgage | $2,253 | $1,540 | -$713 |
| Electricity state average bill | $1,240 | $1,517 | +$277 |
| Total if you buy | $77,367 | $52,531 | -$24,836 |
Taxes: 2026 federal and state rules, standard deduction. Rent, home value and property tax: Census ACS 2024 state medians. Gross rent includes tenant-paid electricity, gas, water/sewer and fuels; those basic utilities are not added again. Mortgage: Freddie Mac 30-year average (7.24%, week of October 29, 2026).
State figures: EIA 2025 average residential power bill (buyers only), NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on October 29, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $20,978 a year in Colorado and $12,281 in North Dakota (Child Care Aware of America, 2025 (2024 fallback for Colorado, Washington, DC and South Carolina) state averages).
Cost of living in North Dakota cities: Fargo.
After you arrive in North Dakota
- North Dakota new resident checklist: driver license and vehicle registration deadlines.
- Taxes the year you move: part-year returns in Colorado and North Dakota.
- How North Dakota taxes retirement income.
Frequently asked questions
How much salary do I need in North Dakota to live like I do in Colorado?
A $95,000 salary in Colorado works out to about $75,800 in North Dakota once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $79,900.
Will I pay less tax in North Dakota than in Colorado?
Yes, about $3,318 less a year in income and payroll taxes on a $95,000 salary (24.4% of pay in Colorado vs 21.0% in North Dakota). Property and sales taxes are shown separately.
How much does it cost to move from Colorado to North Dakota?
For a 2–3 bedroom home over about 710 miles, expect roughly $580–$2,140 with a rental truck, $1,390–$3,160 with a moving container, or $2,280–$8,140 with full-service movers.
Are more people moving from Colorado to North Dakota?
Moves from Colorado to North Dakota peaked in 2021–22 at 526 households, then fell 14% by 2022–23. That is still down 2% from 2018–19.
How many people move from Colorado to North Dakota?
IRS migration data for 2022–2023 show 451 households (767 people) moved from Colorado to North Dakota, making North Dakota the #44 destination for people leaving Colorado. 538 households moved the other way.
Is North Dakota cheaper than Colorado?
Overall prices in North Dakota are 13.7% lower than Colorado (BEA Regional Price Parities 2024). Median rent is $980 vs $1,822 a month.
Compare other moves
Where people from Colorado actually move
- CO to Texas 12,275 households
- CO to California 9,699 households
- CO to Florida 9,070 households
- CO to Arizona 6,012 households
- CO to Washington 3,935 households
- CO to North Carolina 3,423 households
- CO to New York 3,210 households
- CO to Illinois 3,198 households
State-agency links identify the responsible tax office; they do not verify every modeled rule. Use forms and guidance for the year you are filing.