Fargo vs Owensboro leftover
Moving to Owensboro costs you $824 a month
$2,366/mo leftover in Owensboro vs $3,190 in Fargo after tax and rent ($824 less). −$9,888 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Fargo leftover
$3,190
a month after tax and rent
Owensboro leftover
$2,366
−$824 vs Fargo
Compare Fargo to another metro
Same paycheck. Try a different city next to Fargo.
Monthly gap
Fargo → Owensboro
$824
less / month in Fargo
$2,366 in Owensboro · $3,190 in Fargo · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
−$824 / mo
| Per month | Fargo | Owensboro | Difference |
|---|---|---|---|
| Gross pay | $7,375 | $6,993 | −$382 |
| Income and payroll tax | $1,529 | $1,748 | +$219 |
| Take-home pay | $5,846 | $5,245 | −$601 |
| Rent | $885 | $917 | +$32 |
| Getting around | $505 | $593 | +$88 |
| Groceries | $349 | $378 | +$29 |
| Healthcare | $393 | $425 | +$32 |
| Utilities | $218 | $236 | +$18 |
| Everything else | $306 | $330 | +$24 |
| Left over | $3,190 | $2,366 | −$824 |
To break even in Owensboro, you'd need to earn
$99,000
Household gross, versus $88,500 today. That's the salary that leaves you exactly as much at the end of the month as Fargo does now.
The tax difference alone
−$3,989
A year, in state and local income tax. Effective rates: 20.7% in Fargo, 25.0% in Owensboro.
More about Owensboro
Fargo, ND in full
State income tax topping out at 2.5%, a median 2-bedroom asking rent of $1,054 and 193 sunny days; commutes average 18 minutes.
Owensboro, KY in full
A flat 4% state income tax, a median 2-bedroom estimated asking rent of $1,092 and 208 sunny days; commutes average 21 minutes.
The reverse move
Same two cities, but starting from Owensboro on Owensboro wages.
Owensboro → Fargo →Questions
Is the cost of living lower in Owensboro than Fargo?
A one-bedroom is about $885 in Fargo versus $917 in Owensboro. On a one-adult, one-bedroom household, leftover is about $824 a month lower in Owensboro. Change the job or household on the comparison to see your number.
Does Owensboro have state income tax?
Owensboro is in Kentucky, which taxes wage income, plus a local wage tax of 1.50%.
What changes if you move from Fargo to Owensboro?
Take-home pay is recalculated under Kentucky tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between Fargo and Owensboro moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.