Cost of Living in Pembina, ND

With a cost of living index of 62, Pembina, ND is one of the most affordable cities in the country. Living here is 38% cheaper than the national average and 12% below the North Dakota state average of 74. Pembina is a small community of 583 residents.

Housing costs are the biggest factor in Pembina's cost of living. The median monthly rent is $675 (49% below the US median of $1,319), and the median home value sits at $133,700 (56% below the national median of $304,900). At current prices, the median home costs roughly 1.5x the median household income — well within traditional affordability guidelines.

The median household income in Pembina is $88,523, which is 18% higher than the national median of $75,149. Residents spend roughly 9% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum.

Climate is another factor for anyone considering a move to Pembina. The area sees an average annual temperature of 38.4°F, with summers averaging 66°F and winters around 8°F. Annual rainfall totals 22.1 inches spread over roughly 104 days. Cold winters mean higher heating bills, an important cost-of-living consideration.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.