Cost of Living in Bismarck, ND

How far does a $70,000 salary go in Bismarck? Estimated income taxes on that gross salary total approximately $7,449 per year — combining federal taxes with North Dakota's state income tax. Subtract rent for a 2-bedroom apartment ($1,175/month based on HUD Fair Market Rents for the Bismarck metro area) and the estimated annual take-home is $48,451, or roughly $4,038 per month for everything else: food, transportation, savings, and discretionary spending.

The Bismarck metro has a cost of living index of 75.7 according to the Bureau of Economic Analysis Regional Price Parities (national average = 100). At 24% below the national average, Bismarck is a genuinely affordable metro where everyday expenses stretch further than in most cities.

At a $70,000 salary, the estimated 2-bedroom rent in Bismarck represents approximately 20% of gross income. That falls comfortably below the 30% rent-burden guideline, a healthy position for building savings.