Taxes in Fargo, North Dakota
Complete tax guide for Fargo, ND. State income tax up to 1.95%, 0.99% property tax, 7.5% sales tax. Calculate your total tax burden.
State Income Tax
1.95%
North Dakota
Property Tax
0.99%
Effective rate
Sales Tax
7.5%
Combined rate
Tax Burden
Low
Fargo, ND Tax Overview
Largest city; very low state income tax rates (max 1.95%)
Population
125,990
Median Income
$55,232
Cost of Living
94.3 (100 = avg)
State Income Tax
1.95%
Median Home Price
$260,000
Fargo Tax Calculator
Pre-filled with Fargo median: $55,232
Total Tax Burden in Fargo
$9,892
Take-Home: $45,340 · Effective Rate: 17.91%
Federal Tax
$4,589
8.31% eff.
ND State
$1,077
1.95% eff.
FICA
$4,225
7.65% eff.
Take-Home
$45,340
82.09% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $55,232.00 | $4,602.67 |
| Federal Income Tax | -$4,589.34 | -$382.45 |
| North Dakota State Tax | -$1,077.02 | -$89.75 |
| Social Security (6.2%) | -$3,424.38 | -$285.37 |
| Medicare (1.45%) | -$800.86 | -$66.74 |
| Take-Home Pay | $45,340.39 | $3,778.37 |
Property Tax in Fargo
Median Home
$260,000
Annual Tax
$2,574
Monthly Tax
$214
Effective Rate
0.99%
Sales Tax in Fargo
Combined Rate
7.5%
State Portion
~5.0%
Local Portion
~2.5%
The combined sales tax rate in Fargo is 7.5%, which is above the national average of 7.12%. On a $100 purchase, you would pay $7.50 in sales tax.
Tax Burden Comparison
| Tax Type | Fargo | North Dakota Avg | National Avg |
|---|---|---|---|
| Income Tax | 1.95% | 1.95% | 4.6% |
| Property Tax | 0.99% | ~0.99% | 1.1% |
| Sales Tax | 7.5% | ~7.5% | 7.12% |
| Overall Burden | Low | — | Moderate |
Tax Saving Tips for Fargo Residents
- North Dakota's income tax rate of 1.95% is competitive. You may still benefit from maximizing 401(k) contributions ($23,500 limit) to reduce your taxable income at both state and federal levels.
- Property tax in Fargo (0.99%) is below the national average of 1.1%. This makes homeownership more affordable here relative to property tax burden.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
Other Cities in North Dakota
Calculate Your Full North Dakota Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Fargo, ND?
Fargo, North Dakota has a state income tax rate up to 1.95%. The property tax rate is 0.99% and the combined sales tax rate is 7.5%. Largest city; very low state income tax rates (max 1.95%)
How much is property tax in Fargo?
The effective property tax rate in Fargo is 0.99%. On the median home price of $260,000, this equals approximately $2,574 per year or $214 per month. This is below the national average of 1.1%.
What is the sales tax rate in Fargo?
The combined sales tax rate in Fargo is 7.5%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Fargo's tax burden compare to other cities?
Fargo has a low overall tax burden. The effective total tax rate for a median-income household is approximately 25.2%. The combination of 1.95% state income tax, 0.99% property tax, and 7.5% sales tax determines the total burden. Cost of living index is 94.3 (100 = national average).
Are there any local taxes in Fargo?
Fargo does not impose a separate local or city income tax. Residents pay the state income tax of 1.95%, federal income tax, and FICA (Social Security and Medicare). Largest city; very low state income tax rates (max 1.95%)