North Dakota · 2026 Federal Benchmarks

Cost of Living in Stutsman County, ND

The median household in Stutsman County, ND earns $61,856 a year ($5,155/month) according to U.S. Census Bureau ACS data. Benchmark 2-bedroom rent is $873/month under HUD Fair Market Rents, requiring an annual income of at least $34,920 under the federal 30% housing rule, with overall consumer prices sitting 11% below the national baseline.

Key Economic Benchmarks

Median Household Income

$61,856$5,155 per month · U.S. Census Bureau ACS 5-Year
2-Bedroom Rent$873HUD FY2026 Fair Market Rent
Price Parity (RPP)89.0-11% vs national baseline
Electricity Rate14.1¢per kWh · EIA Residential ND
Census Population21,549Official resident count

Fair market rent & 30% rule in Stutsman County, ND

Official HUD Fair Market Rents evaluated against local household income benchmarks.

Affordable (< 30% of income)
HUD Fair Market Rent$873Monthly market rent
Share of gross income16.9%Recommended max: 30%
Annual income needed$34,920To meet the 30% standard
Max affordable rent$1,546At 30% of $61,856
0%30% (Affordability standard)100%
Compare against:

2026 HUD Fair Market Rent Schedule: Stutsman County, ND

Official FY2026 HUD Fair Market Rents for Stutsman County, ND. Under the federal 30% housing affordability standard, housing costs are sustainable when they consume 30% or less of gross household income.

HUD FY2026 Fair Market Rent Schedule for Stutsman County, ND
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$676$8,112$27,04013.1%
1-Bedroom Apartment$680$8,160$27,20013.2%
2-Bedroom ApartmentBenchmark$873$10,476$34,92016.9%
3-Bedroom Home$1,214$14,568$48,56023.6%
4-Bedroom Home$1,464$17,568$58,56028.4%

See dedicated rental breakdown for Stutsman County, ND →

50/30/20 Living Budget in Stutsman County, ND

Based on the local median household income of $61,856/year ($5,155/month), here is how a balanced budget allocates expenses:

Needs (50%)$2,577/moRent ($873 2-BR), utilities (~$127/mo), groceries, transit
Wants (30%)$1,546/moDiscretionary spending: dining, leisure, recreation at 89.0 RPP price level
Savings & Debt (20%)$1,031/moEmergency fund, 401(k), IRA retirement, student loan and debt reduction

Take-Home Pay & Tax Explorer in North Dakota

Explore net income after federal income tax, FICA, and North Dakota state income tax based on the local median baseline.

$61,856
$20,000$125,000
Filing status:
Gross salary breakdown$61,856
Net 84%
Fed 8%
FICA 8%
Annual take-home$51,881After all taxes
Monthly deposit$4,323Estimated per month
Biweekly paycheck$1,995Every 2 weeks (26/yr)
Effective tax rate16.1%Total tax burden
Federal income tax$5,243 / yr
North Dakota state income taxNo state wage tax$0
FICA (Social Security & Medicare)$4,732 / yr

Compare earnings and living costs across North Dakota with official federal datasets:

Frequently Asked Questions About Living in Stutsman County, ND

What is the median household income in Stutsman County, ND?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Stutsman County, ND is $61,856 per year (approximately $5,155 per month).

What is the average rent in Stutsman County, ND?

According to HUD Fair Market Rent (FMR) benchmarks for 2026, standard monthly rents in Stutsman County, ND are $676 for a studio, $680 for 1 bedroom, $873 for 2 bedrooms, $1,214 for 3 bedrooms, and $1,464 for 4 bedrooms.

How does the cost of living in Stutsman County, ND compare to the national average?

Based on the Bureau of Economic Analysis (BEA) Regional Price Parity index, the general price level in Stutsman County, ND is 89.0 (11% lower than the U.S. national baseline of 100.0).

How much do you need to earn to comfortably afford rent in Stutsman County, ND?

Under the standard 30% housing affordability standard, renting a median 2-bedroom home ($873/month) in Stutsman County, ND requires a minimum gross household income of $34,920 per year ($2,910 per month).

What is a balanced 50/30/20 monthly budget in Stutsman County, ND?

For a typical household earning the median income of $61,856/year ($5,155/month) in Stutsman County, ND, a balanced 50/30/20 budget allocates $2,577/month to essential needs (rent, utilities, groceries), $1,546/month to discretionary spending, and $1,031/month to savings and debt repayment.

What are typical electricity and utility costs in Stutsman County, ND?

Residential electricity rates in North Dakota average 14.1¢ per kWh according to the U.S. Energy Information Administration (EIA). For an average home using 900 kWh per month, the estimated electric bill is approximately $127 per month.