Best Cities in North Dakota for Veterans 2025: Cost of Living & Quality of Life
North Dakota's best cities for veterans ranked by cost of living, veteran population, amenities, and quality of life. Housing costs and city comparisons.
Best Cities in North Dakota for Veterans 2025
Bottom Line Up Front
Fargo ranks #1 for North Dakota veterans—it's the economic hub with the best job market (Microsoft, Sanford Health, tech startups), direct access to the VA Medical Center, excellent universities (NDSU), and the most urban amenities. Housing is affordable at $390,000 median, and the city has 11,000+ veterans in Cass County with strong community support. Bismarck takes #2 as the state capital with government jobs offering veterans preference, lower housing costs ($341,000 median), and proximity to VA care.
For affordability plus military base access, Minot (#3) offers median home prices of $365,600 with Minot AFB (650+ civilian jobs) just 13 miles away. Grand Forks (#4) combines low rent ($930/month for 2BR), University of North Dakota's excellent GI Bill programs, and proximity to Grand Forks AFB.
North Dakota's challenge is brutal winters (January averages 5-17°F), rural isolation, and limited urban amenities compared to coastal states. However, housing is extremely affordable (state median $280,600 vs. $404,400 national), unemployment is the lowest in America (2.4%), and veterans benefit from no income tax on military retirement ($800-$2,000 annual savings) plus property tax credits for disabled veterans.
Overall, North Dakota cities excel for career-focused veterans prioritizing employment, affordability, and low taxes over warm weather and urban culture. Best for self-sufficient, cold-tolerant veterans in energy, agriculture, federal employment, or seeking education with GI Bill. Avoid if you need specialized medical care frequently, prefer urban living, or can't handle harsh winters.
Ranking Methodology
Cities Ranked By:
- Cost of living (housing, utilities, groceries): 30%
- Veteran population & community: 20%
- Proximity to VA healthcare: 15%
- Job opportunities: 20%
- Quality of life (crime, schools, amenities): 15%
Top 10 Cities Ranked
#1: Fargo
Why It's #1:
Fargo is North Dakota's largest city and economic powerhouse, offering the best combination of jobs, healthcare, education, and quality of life. It's home to the Fargo VA Medical Center, North Dakota State University (top-tier GI Bill programs), and major employers like Microsoft (2,000+ employees), Sanford Health, and a thriving tech scene. Fargo has the most robust veteran community (11,000+ in Cass County) and provides the closest thing to urban living in North Dakota.
Housing Costs:
- Median home price: $390,000
- Rent (2BR): $1,126/month
- 3% below national average overall
Cost of Living:
- Overall: 97/100 (3% below national average)
- Groceries: 98/100 (2% below average)
- Utilities: $185/month (20% below average)
- Transportation: $95/month
Veteran Community:
- Veteran population: 11,000+ in Cass County (serves Fargo, West Fargo area)
- VFW/AL posts: 6+
- Cass County Veterans Services: (701) 241-5600 | casscountynd.gov/our-county/veterans-services
- Strong military-friendly culture
- Student veteran organizations at NDSU
VA Healthcare Access:
- Fargo VA Medical Center: IN CITY (2101 Elm Street North)
- Full medical center: 36 acute care beds, 38-bed Community Living Center, emergency care, surgery, specialty care
- Fargo Vet Center: (701) 237-0942 (readjustment counseling, PTSD treatment)
- Fargo Community Resource & Referral Center: Benefits counseling, homeless veteran services
- Best VA access in North Dakota
Employment:
- Unemployment: 2.3%
- Major employers:
- Microsoft: 2,000+ employees (largest tech employer in region)
- Sanford Health: 8,000+ employees (healthcare, biggest employer in ND)
- North Dakota State University: 2,500+ employees
- Fargo Public Schools: 3,000+ employees
- Essentia Health: 2,000+ employees
- Gate City Bank: 500+ employees
- Tech startups: Growing entrepreneurial scene (Emerging Prairie tech hub)
- Retail/logistics: Amazon fulfillment center, Scheels headquarters
- Average salary: $66,000
- Veteran hiring: Excellent—Sanford Health, Microsoft, and NDSU actively recruit veterans
Education:
- North Dakota State University (NDSU): In city
- Yellow Ribbon Program: Unlimited students, full tuition coverage
- In-state tuition for all veterans: $9,640/year (covered by GI Bill)
- BAH rate: $1,400/month
- Top programs: Agriculture, engineering, business, computer science
- Veteran Services Office: (701) 231-7206
- Minnesota State University Moorhead: 10 minutes (across river in Minnesota)
- Concordia College: 10 minutes (Moorhead, MN)
Quality of Life:
- Weather: Cold winters (0-20°F December-February), warm summers (75-85°F), four seasons
- Crime rate: Low overall (varies by neighborhood)
- Safe areas: South Fargo, West Fargo (adjacent city, #1 safest in ND), southwest developments
- Higher crime: North Fargo near downtown (avoid)
- Schools: Fargo Public Schools rated 6-8/10 (good overall, varies by school)—West Fargo schools rated 8-9/10
- Recreation: Red River trails, Fargo Theatre (historic), Fargodome (NDSU football, concerts), Scheels Arena (hockey, events), 60 breweries/restaurants, nearby lakes (Detroit Lakes, MN—45 min)
- Airports: Hector International Airport (FAR)—direct flights to Denver, Minneapolis, Phoenix, Las Vegas
Pros:
- Best job market in North Dakota
- VA Medical Center in city (no driving for healthcare)
- NDSU with excellent GI Bill benefits
- Most urban amenities in state (dining, culture, entertainment)
- Strong veteran community (11,000+)
- Affordable housing compared to national average
- Microsoft and tech jobs for IT veterans
- No state income tax on military retirement
- 100% disabled: Full property tax credit worth $1,122/year
Cons:
- Brutal winters (-20°F with wind chill common)
- Crime higher than smaller ND cities (still low nationally)
- Less "small town feel" than rural North Dakota
- Traffic can be congested (by ND standards)
- 4 hours from any major metro (Minneapolis/St. Paul)
Best For: Student veterans using GI Bill at NDSU, IT/tech veterans (Microsoft jobs), healthcare veterans (Sanford/Essentia), veterans prioritizing jobs and urban amenities, families (good schools in West Fargo)
#2: Bismarck
Why It's #2:
Bismarck is North Dakota's capital and second-largest city, offering stable government employment with veterans preference, more affordable housing than Fargo, and proximity to VA care. It's cleaner, safer, and less crowded than Fargo while still providing urban amenities. The state government is the largest employer, offering pensions and veterans hiring preference. Bismarck has excellent quality of life with low crime, good schools, and outdoor recreation.
Housing Costs:
- Median home price: $341,000
- Rent (2BR): $1,063/month
- 9% below national average overall
Cost of Living:
- Overall: 91/100 (9% below national average)
- Groceries: 97/100 (3% below average)
- Utilities: $180/month (19% below average)
- Transportation: $90/month
- Healthcare: 6% above average
Veteran Community:
- Veteran population: 4,000+ in Burleigh County
- VFW/AL posts: 4
- Gilbert N. Nelson VFW Post #1326: (701) 222-1525 | 1235 South 12th St.
- Burleigh County Veterans Services: (701) 222-6718
- Active military community (proximity to Minot AFB 1.5 hours)
VA Healthcare Access:
- Bismarck VA Clinic: In city (2700 State Street, Gateway Mall, Suite F)
- Phone: (701) 221-9152
- Services: Primary care, mental health, lab, limited pharmacy
- Fargo VA Medical Center: 2 hours east (for specialty care/surgery)
- Sanford Health Bismarck: Excellent private hospital for Community Care
Employment:
- Unemployment: 2.4%
- Major employers:
- State of North Dakota: 3,000+ employees (largest employer—veterans preference)
- Sanford Health Bismarck: 3,500+ employees
- CHI St. Alexius Health: 2,000+ employees
- Bismarck Public Schools: 1,800+ employees
- MDU Resources: 1,000+ employees (energy utility)
- Basin Electric Power Cooperative: 800+ employees
- University of Mary: 500+ employees
- Bismarck State College: 400+ employees
- Average salary: $64,000
- Veteran hiring: Excellent for government jobs—state agencies give veterans preference; healthcare actively recruits veterans
Education:
- University of Mary: In city (private Catholic university)
- Yellow Ribbon: $4,000/year contribution
- GI Bill approved
- Programs: Nursing, business, engineering, education
- Bismarck State College: Two-year technical programs
- Energy, welding, automotive, construction management
- GI Bill approved
- High job placement rates
- NDSU and UND distance programs: Available for remote learning
Quality of Life:
- Weather: Cold winters (0-15°F December-February), warm summers (75-85°F)
- Crime rate: Very low—safer than Fargo
- Safe throughout city, with safest areas in south/southwest Bismarck
- Schools: Bismarck Public Schools rated 7-8/10 (good to excellent)—among best in state
- Recreation: Missouri River (fishing, boating), Fort Abraham Lincoln State Park (historic site where Custer was stationed), Sertoma Park, 50+ parks, biking/walking trails, Gateway to Science museum (for families), Capitol Building tours
- Airport: Bismarck Municipal Airport (BIS)—direct flights to Denver, Minneapolis
Pros:
- State government jobs with veterans preference
- Lower housing costs than Fargo ($341K median)
- Very safe (low crime throughout city)
- Good schools for families
- Clean, well-maintained city
- Outdoor recreation (Missouri River)
- VA clinic in city
- No state income tax on military retirement
- 100% disabled: Property tax credit worth $528/year
Cons:
- Smaller job market than Fargo (limited private sector)
- 2 hours from Fargo VA Medical Center for specialty care
- Less urban amenities than Fargo
- Harsh winters
- Remote (3.5 hours from Minneapolis, 1.5 hours from Minot)
Best For: Veterans seeking government employment (state/county/city jobs with preference), veterans prioritizing safety and schools for families, veterans comfortable with small-city living, healthcare workers (Sanford/St. Alexius)
#3: Minot
Why It's #3:
Minot offers affordable housing, direct access to Minot Air Force Base (650+ civilian jobs with veterans preference), and a strong military community. Known as "The Magic City," Minot is North Dakota's fourth-largest city with decent amenities and the lowest cost of living among major ND cities. It's best for veterans seeking federal employment at Minot AFB or oil industry jobs (Williston oil fields 2 hours west).
Housing Costs:
- Median home price: $365,600
- Rent (2BR): $1,113/month
- 11% below national average overall
Cost of Living:
- Overall: 89/100 (11% below national average)
- Groceries: 93.5/100 (6.5% below average)
- Utilities: $175/month (18.5% below average)
- Transportation: $95/month (3% above average)
- Healthcare: 10% above average
Veteran Community:
- Veteran population: 5,000+ in Ward County
- Strong military community due to Minot AFB
- VFW/AL posts: 5
- Ward County Veterans Services: (701) 857-6460
- Military families: 12,800+ (active duty, families, retirees near Minot AFB)
VA Healthcare Access:
- Minot VA Clinic: In city (16 2nd Street SW)
- Phone: (701) 852-7672
- Services: Primary care, mental health, lab
- Fargo VA Medical Center: 3.5 hours east (for specialty care)
- Trinity Health Minot: Excellent private hospital for Community Care
Employment:
- Unemployment: 2.5%
- Major employers:
- Minot Air Force Base: 6,500+ jobs (1,200+ civilian)
- Economic impact: $651.6 million (FY2024)
- Civilian jobs: Administrative, IT, aircraft maintenance, security, contracting (GS and Federal Wage System)
- Apply: usajobs.gov (search "Minot AFB")
- Veterans preference applies
- Trinity Health: 3,000+ employees (healthcare)
- Minot Public Schools: 1,500+ employees
- Minot State University: 800+ employees
- North Dakota State Fair: Seasonal employment
- Oil industry: 2 hours to Williston (Bakken oil fields)
- Minot Air Force Base: 6,500+ jobs (1,200+ civilian)
- Average salary: $58,000
- Veteran hiring: Excellent at Minot AFB—veterans receive 5-10 point hiring preference; Trinity Health recruits veteran medics/corpsmen
Education:
- Minot State University: In city
- GI Bill approved
- Yellow Ribbon participant
- Programs: Business, education, nursing, criminal justice
- Affordable tuition
- Minot AFB Education Center: For active duty and dependents
Quality of Life:
- Weather: Coldest major ND city (average January: 5-10°F, record low -43°F)
- Crime rate: Low overall (violent crime 74% of national rate)
- Safe throughout most of city
- Schools: Minot Public Schools rated 6-7/10 (average to good)
- Recreation: Roosevelt Park Zoo, Scandinavian Heritage Park, Souris River, fishing/hunting access, North Dakota State Fair (annual event), 13 miles to Minot AFB (commissary/BX access for retirees)
- Airport: Minot International Airport (MOT)—direct flights to Denver, Minneapolis
Pros:
- Minot AFB civilian jobs (650+, veterans preference)
- Affordable housing ($365K median)
- Low cost of living (11% below national average)
- Strong military community (12,800+ at Minot AFB)
- Commissary/BX access (military retirees)
- Gateway to oil fields (Williston 2 hours)
- Small-city feel with decent amenities
- No state income tax on military retirement
- 100% disabled: Property tax credit worth $643/year
Cons:
- Brutally cold winters (coldest major city in ND)
- Remote location (3.5 hours from Fargo, 2 hours from Williston)
- 3.5 hours from Fargo VA Medical Center
- Limited urban amenities
- Smaller job market outside Minot AFB
- Higher crime than Bismarck (but still low nationally)
Best For: Veterans seeking Minot AFB civilian jobs, military retirees wanting base access (commissary/BX), veterans comfortable with remote/cold environment, oil industry workers (close to Bakken fields)
#4: Grand Forks
Why It's #4:
Grand Forks combines affordability (lowest rent in ND at $930/month for 2BR), proximity to Grand Forks Air Force Base (600+ civilian jobs), and home to the University of North Dakota (excellent GI Bill programs, top aviation school). It's a college town with a younger vibe, strong student veteran community, and access to VA care. Best for student veterans or those seeking federal employment at Grand Forks AFB.
Housing Costs:
- Median home price: $433,560 (higher than expected due to limited inventory)
- Rent (2BR): $930/month (lowest major city rent in ND)
- 8.6% below national average overall
Cost of Living:
- Overall: 91.4/100 (8.6% below national average)
- Groceries: 92.8/100 (7.2% below average)
- Utilities: $170/month (5.7% below average)
- Transportation: $90/month (5.1% below average)
- Healthcare: 4.1% above average
Veteran Community:
- Veteran population: 3,500+ in Grand Forks County
- VFW/AL posts: 3
- Grand Forks County Veterans Services
- Strong student veteran community at UND (500+ student veterans)
- Proximity to Grand Forks AFB (2,200+ total force airmen)
VA Healthcare Access:
- Grand Forks VA Clinic: In city (3221 32nd Avenue South, Suite 700)
- Phone: (701) 451-4450
- Services: Primary care, mental health, lab, telehealth
- Fargo VA Medical Center: 1.5 hours south (for specialty care)
- Altru Health System: Excellent private hospital for Community Care
Employment:
- Unemployment: 2.6%
- Major employers:
- Grand Forks Air Force Base: 2,200+ total force (600+ civilians)
- Mission: 319th Reconnaissance Wing (RQ-4 Global Hawk high-altitude ISR)
- Civilian jobs: UAV maintenance, intelligence analysts, IT/cybersecurity, administrative
- Apply: usajobs.gov (search "Grand Forks AFB")
- Veterans preference applies
- University of North Dakota: 2,500+ employees
- Altru Health System: 2,500+ employees (healthcare)
- Grand Forks Public Schools: 1,200+ employees
- Grand Forks AFB: Civilian contractor jobs (Northrop Grumman)
- Grand Forks Air Force Base: 2,200+ total force (600+ civilians)
- Average salary: $60,000
- Veteran hiring: Excellent at Grand Forks AFB—veterans receive federal hiring preference; UND actively recruits veteran employees
Education:
- University of North Dakota (UND): In city (best feature for student veterans)
- Yellow Ribbon Program: Unlimited students, unrestricted contribution (covers 100% of tuition)
- In-state tuition for all veterans: $9,095/year (fully covered by GI Bill)
- BAH rate: $1,300/month (covers rent easily)
- Top programs: Aviation (one of best flight schools in America), aerospace engineering, business, nursing, computer science
- Veteran & Military Services Office: (701) 777-3363 | vets@UND.edu
- Student Veterans Association—active community
- Best value for student veterans in North Dakota
Quality of Life:
- Weather: Cold winters (0-15°F December-February), warm summers (75-85°F)
- Crime rate: Low (safer than Fargo, less safe than Bismarck)
- Schools: Grand Forks Public Schools rated 6-7/10 (average to good)
- Recreation: Red River trails, Greenway park system, UND Fighting Hawks hockey (Division I—huge local culture), Ralph Engelstad Arena (world-class hockey venue), Columbia Mall, close to Minnesota lakes (1 hour)
- Airport: Grand Forks International Airport (GFK)—limited flights (Denver, Minneapolis)
Pros:
- Lowest rent in ND ($930/month for 2BR)
- UND's excellent GI Bill benefits (Yellow Ribbon, unlimited slots)
- Grand Forks AFB civilian jobs (600+, veterans preference)
- College town vibe (younger demographic)
- Strong student veteran community at UND
- VA clinic in city
- Affordable cost of living (8.6% below national average)
- No state income tax on military retirement
- 100% disabled: Property tax credit worth $810/year
Cons:
- Limited job market outside UND and Grand Forks AFB
- Higher home prices ($433K) due to limited inventory (rent is affordable)
- 1.5 hours from Fargo VA Medical Center
- Harsh winters
- Small-city amenities (population 56,000)
- Flooding risk (Red River floods historically—levees built post-1997 flood)
Best For: Student veterans using GI Bill at UND (especially aviation students), veterans seeking Grand Forks AFB civilian jobs, younger veterans comfortable with college town, budget-conscious renters
#5: West Fargo
Why It's #5:
West Fargo is North Dakota's safest city and fastest-growing community, offering excellent schools, low crime, and suburban family living. It's adjacent to Fargo (5 minutes), providing access to Fargo's jobs and VA Medical Center while maintaining a safer, quieter residential environment. Best for veteran families prioritizing safety and schools.
Housing Costs:
- Median home price: $370,000
- Rent (2BR): $1,100/month
- Similar to Fargo
Cost of Living:
- Overall: 93/100 (7% below national average)
- Slightly cheaper than Fargo due to lower housing costs
Veteran Community:
- Part of Cass County (11,000+ veterans)
- Cass County Veterans Services: Serves West Fargo residents
- VFW/AL posts: Shared with Fargo (6+ posts nearby)
VA Healthcare Access:
- Fargo VA Medical Center: 10 minutes east
- Full access to all Fargo VA services
Employment:
- Unemployment: 2.3%
- Major employers:
- Bobcat Company (construction equipment)
- Gate City Bank
- Titan Machinery (ag equipment)
- Many residents commute to Fargo (5-10 minutes)
- Average salary: $65,000
Education:
- West Fargo Public Schools: Rated 8-9/10 (excellent—among best in ND)
- NDSU: 10 minutes (access to all Fargo universities)
Quality of Life:
- Weather: Same as Fargo (cold winters, warm summers)
- Crime rate: Lowest in North Dakota (violent crime rate 1.79 per 1,000—less than half national average)
- Schools: Excellent (top-rated in state)
- Recreation: Family-friendly parks, Rendezvous Event Center, Red River Valley Fair, close to Fargo amenities
Pros:
- Safest city in North Dakota
- Excellent schools (best for families with children)
- Suburban living with Fargo access (jobs, VA, universities)
- 10 minutes to Fargo VA Medical Center
- Low crime, family-oriented community
- No state income tax on military retirement
- 100% disabled: Property tax credit worth $1,000+/year
Cons:
- Higher housing costs than smaller ND cities
- Less "urban" than Fargo (suburban feel)
- Commute required for most jobs (Fargo 10 min)
- Brutal winters (same as Fargo)
Best For: Veteran families with children (top schools, safest city), veterans working in Fargo who want safer/quieter residential area, veterans prioritizing safety and schools
#6: Williston
Why It's #6:
Williston is the heart of the Bakken oil boom, offering the highest wages in North Dakota ($75,000-$112,000+ for oil workers). It's best for veterans seeking high-paying oil/gas jobs with minimal qualifications required. However, it's extremely remote, housing is expensive (oil boom pricing), and winters are harsh. Best for career-focused veterans prioritizing income over quality of life.
Housing Costs:
- Median home price: $320,000 (inflated due to oil boom)
- Rent (2BR): $1,200-$1,500/month (expensive due to oil workers)
- Cost of living elevated by oil boom demand
Cost of Living:
- Overall: 105/100 (5% above national average—expensive for rural ND)
- Housing inflated due to oil worker demand
Veteran Community:
- Veteran population: 1,500+ in Williams County
- VFW/AL posts: 2
- Oil industry attracts many veteran workers
VA Healthcare Access:
- Williston VA Clinic: In city (3210 27th Street West, Harvest Plaza, Suite 210)
- Phone: (701) 774-3377
- Services: Primary care, mental health, lab
- Fargo VA Medical Center: 4 hours east (very remote for specialty care)
Employment:
- Unemployment: 2.0%
- Major employers:
- Oil companies: Halliburton, Schlumberger, Baker Hughes, Continental Resources, Hess, Marathon Oil
- Oilfield services: Rig operators, truck drivers, welders, equipment operators
- Wages:
- Rig operators: $50,000-$75,000/year
- Truck drivers (CDL): $60,000-$85,000/year
- Welders: $60,000-$90,000/year
- Engineers: $150,000-$239,000/year
- Average oil field worker: $112,000/year
- Veteran hiring: Excellent—oil companies actively recruit veterans (military discipline valued)
Education:
- Williston State College: Two-year programs (energy, welding, diesel tech)—GI Bill approved
- Limited higher education options
Quality of Life:
- Weather: Extremely cold winters (average January: 0-10°F, record low -50°F)
- Crime rate: Moderate (higher than most ND cities due to transient oil workers)
- Schools: Williston Public Schools rated 5-6/10 (average)
- Recreation: Lake Sakakawea (fishing, boating), Fort Union Trading Post (historic site), Missouri River
- Airport: Sloulin Field International (ISN)—limited flights (Denver)
Pros:
- Highest wages in North Dakota (oil jobs pay $75K-$112K+)
- Oil industry actively hires veterans
- Strong demand for workers (easy to find work)
- Lake Sakakawea recreation
- No state income tax on military retirement
Cons:
- Extremely remote (4 hours from Fargo, 2 hours from Minot)
- Very expensive housing (oil boom inflation)
- 4 hours from Fargo VA Medical Center
- Brutally cold winters
- Higher crime than most ND cities
- Limited amenities (small city, population 29,000)
- Transient population (oil workers come and go)
- Long work hours (12-14 hour shifts common)
Best For: Veterans seeking high-paying oil jobs (willing to sacrifice quality of life for income), physically fit veterans comfortable with hard labor, veterans without families (not ideal for children due to crime/transience)
#7: Dickinson
Why It's #7:
Dickinson is a small city in southwest North Dakota offering a balance of oil industry jobs (90 minutes to Williston), low cost of living, and safe environment. It's more affordable and safer than Williston while still providing access to Bakken oil opportunities. Best for veterans seeking oil jobs with better quality of life than Williston.
Housing Costs:
- Median home price: $310,000
- Rent (2BR): $950/month
- Affordable compared to Williston
Cost of Living:
- Overall: 92/100 (8% below national average)
Veteran Community:
- Veteran population: 2,000+ in Stark County
- VFW/AL posts: 2
VA Healthcare Access:
- Dickinson VA Clinic: In city (3275 West Ridge Drive, West Ridge Market Center, Suite P)
- Phone: (701) 456-4611
- Services: Primary care, mental health
- Fargo VA Medical Center: 3.5 hours east
Employment:
- Unemployment: 2.4%
- Major employers:
- Oil industry (90 min to Williston)
- CHI St. Alexius Health Dickinson
- Dickinson Public Schools
- Dickinson State University
- Average salary: $58,000 (lower than Williston but adequate)
Education:
- Dickinson State University: Four-year public university, GI Bill approved
Quality of Life:
- Weather: Cold winters (5-15°F), warm summers
- Crime rate: Low (safer than Williston)
- Schools: Dickinson Public Schools rated 6-7/10 (good)
- Recreation: Theodore Roosevelt National Park (1 hour)—one of America's hidden gems
Pros:
- Access to oil jobs (90 min to Williston)
- Much safer than Williston
- Affordable housing ($310K)
- Theodore Roosevelt National Park nearby
- Small-city charm
Cons:
- Remote (3.5 hours from Fargo)
- Limited job market outside oil
- 3.5 hours from Fargo VA Medical Center
- Harsh winters
Best For: Veterans seeking oil jobs with better quality of life than Williston, veterans wanting small-city living with outdoor recreation (Theodore Roosevelt NP)
#8: Jamestown
Why It's #8:
Jamestown is a small agricultural city in central North Dakota offering very affordable housing, low crime, and access to the North Dakota Veterans Home (long-term care facility). Best for older veterans seeking low-cost retirement in a safe, rural environment.
Housing Costs:
- Median home price: $250,000 (very affordable)
- Rent (2BR): $850/month
- 12% below national average
Cost of Living:
- Overall: 88/100 (12% below national average)
Veteran Community:
- Veteran population: 1,500+ in Stutsman County
- VFW/AL posts: 2
VA Healthcare Access:
- Jamestown VA Clinic: In city (2430 20th Street Southwest, Suite 8)
- Phone: (701) 952-4781
- Services: Primary care, mental health
- Fargo VA Medical Center: 1.5 hours east
Employment:
- Unemployment: 2.5%
- Major employers:
- Jamestown Regional Medical Center
- Jamestown Public Schools
- North Dakota State Hospital (psychiatric care)
- Agriculture (farms, grain elevators)
- Average salary: $52,000 (lower than major cities)
Education:
- University of Jamestown: Private liberal arts college, Yellow Ribbon ($4,000/year)
Quality of Life:
- Weather: Cold winters, warm summers
- Crime rate: Very low (safe)
- Schools: Jamestown Public Schools rated 6/10 (average)
- Recreation: Frontier Village (historic site), Jamestown Reservoir (fishing), National Buffalo Museum
Pros:
- Very affordable housing ($250K median)
- Very safe (low crime)
- 1.5 hours to Fargo (closer than western ND cities)
- Quiet, rural retirement living
Cons:
- Limited job market (agriculture-focused)
- Small city (population 15,000)
- Limited amenities
- Harsh winters
Best For: Older veterans seeking affordable retirement, veterans comfortable with small-town rural living
#9: Mandan
Why It's #9:
Mandan is adjacent to Bismarck (across the Missouri River), offering lower housing costs than Bismarck with access to all Bismarck jobs and amenities. Best for veterans seeking Bismarck-area employment with more affordable housing.
Housing Costs:
- Median home price: $320,000
- Rent (2BR): $1,000/month
- Cheaper than Bismarck
Cost of Living:
- Overall: 90/100 (10% below national average)
Veteran Community:
- Part of Morton County
- Shares veteran services with Bismarck
VA Healthcare Access:
- Bismarck VA Clinic: 10 minutes (across river in Bismarck)
Employment:
- Same as Bismarck (10-minute commute)
- State government jobs, healthcare, schools
Quality of Life:
- Weather: Same as Bismarck
- Crime rate: Low (safe)
- Schools: Mandan Public Schools rated 7/10 (good)
- Recreation: Fort Abraham Lincoln State Park (in Mandan)
Pros:
- More affordable than Bismarck
- Access to all Bismarck jobs/amenities
- VA clinic 10 minutes
- Safe, family-friendly
Cons:
- Commute required for most jobs
- Smaller than Bismarck (limited in-city amenities)
Best For: Veterans seeking Bismarck jobs with lower housing costs
#10: Devils Lake
Why It's #10:
Devils Lake is a small city in northeast North Dakota known for excellent fishing (Devils Lake is one of America's best walleye lakes). It's affordable and safe but very remote with limited jobs. Best for veterans prioritizing outdoor recreation and low cost of living over career opportunities.
Housing Costs:
- Median home price: $220,000 (very affordable)
- Rent (2BR): $800/month
Cost of Living:
- Overall: 85/100 (15% below national average)
Veteran Community:
- Veteran population: 1,000+
- VFW/AL posts: 1
VA Healthcare Access:
- Devils Lake VA Clinic: In city (1031 7th Street Northeast)
- Phone: (701) 665-0827
- Services: Primary care, mental health
- Fargo VA Medical Center: 2 hours south
Employment:
- Unemployment: 2.6%
- Major employers:
- Lake Region State College
- CHI St. Alexius Health Devils Lake
- Tourism (fishing industry)
- Average salary: $48,000 (lowest among ranked cities)
Quality of Life:
- Weather: Cold winters, warm summers
- Crime rate: Very low
- Recreation: Devils Lake (world-class walleye fishing), outdoor recreation
Pros:
- Very affordable ($220K median home)
- Excellent fishing (Devils Lake)
- Very safe
- Low cost of living
Cons:
- Very limited job market
- Remote (2 hours from Fargo)
- Small city (population 7,000)
- Minimal amenities
Best For: Retired veterans prioritizing fishing/outdoor recreation and low cost over employment
Cost of Living Comparison
| City | Median Home | Rent (2BR) | Overall Cost | Unemployment | VA Access | Best For |
|---|---|---|---|---|---|---|
| Fargo | $390,000 | $1,126 | 97/100 | 2.3% | VA Medical Center (in city) | Jobs, urban living, student vets (NDSU) |
| Bismarck | $341,000 | $1,063 | 91/100 | 2.4% | VA Clinic (in city) | Government jobs, families, safety |
| Minot | $365,600 | $1,113 | 89/100 | 2.5% | VA Clinic (in city) | Minot AFB jobs, military retirees |
| Grand Forks | $433,560 | $930 | 91.4/100 | 2.6% | VA Clinic (in city) | Student vets (UND), Grand Forks AFB |
| West Fargo | $370,000 | $1,100 | 93/100 | 2.3% | Fargo VA (10 min) | Families (safest, best schools) |
| Williston | $320,000 | $1,200 | 105/100 | 2.0% | VA Clinic (in city) | High-paying oil jobs |
| Dickinson | $310,000 | $950 | 92/100 | 2.4% | VA Clinic (in city) | Oil jobs, safer than Williston |
| Jamestown | $250,000 | $850 | 88/100 | 2.5% | VA Clinic (in city) | Affordable retirement |
| Mandan | $320,000 | $1,000 | 90/100 | 2.4% | Bismarck VA (10 min) | Bismarck jobs, lower cost |
| Devils Lake | $220,000 | $800 | 85/100 | 2.6% | VA Clinic (in city) | Fishing, outdoor recreation |
State Average: Median home $280,600 | Unemployment 2.4% (lowest in nation)
Climate & Weather Considerations
Winter Reality Check:
North Dakota winters are brutal. This is the #1 factor veterans must consider before moving to North Dakota.
Average Winter Temperatures:
- December-February: 0-20°F (daytime highs)
- Overnight lows: -10 to -20°F
- Wind chill: -30 to -50°F common
- Record lows: -60°F (February 1936)
Snow & Blizzards:
- Annual snowfall: 40-50 inches
- Blizzards: 3-4 severe storms per year
- Whiteout conditions (zero visibility)
- Roads can be impassable for days
Duration:
- Winter lasts 5-6 months (November-April)
- First snow: October
- Last snow: April (sometimes May)
Health Considerations:
- Veterans with arthritis, diabetes, or circulation issues may struggle
- Hypothermia risk during outdoor activities
- Seasonal Affective Disorder (SAD) common due to short daylight hours (8 hours in winter)
Vehicle Requirements:
- Block heater (plug in car overnight to prevent engine freezing)
- Winter tires essential
- Emergency kit (blankets, food, water) in vehicle at all times
- Remote start highly recommended
Positives:
- Summers are beautiful (70-85°F, low humidity)
- Four distinct seasons
- Veterans from Alaska, Montana, Minnesota, or Maine may be comfortable
- Low insect activity (mosquitoes less common than southern states)
Verdict: If you can't tolerate cold, do not move to North Dakota. Winters are not comparable to most other states. Consider Arizona, Texas, or Florida instead.
Who Benefits Most
Best for:
- Student veterans using GI Bill (UND and NDSU offer exceptional benefits, unlimited Yellow Ribbon slots, 100% tuition coverage)
- Career-focused veterans in energy/oil (Bakken oil fields pay $75,000-$112,000+)
- Federal employees (Minot AFB and Grand Forks AFB employ 1,800+ civilians with veterans preference)
- Veterans seeking affordable housing (median $280,600—30% below national average)
- Military retirees (no state income tax on retirement pay saves $800-$2,000+/year)
- 50-100% disabled veterans (property tax credit matches disability rating percentage)
- Veterans comfortable with rural living and harsh winters
Less beneficial for:
- Veterans sensitive to cold (winters are extreme—not exaggerating)
- Veterans needing frequent specialized medical care (Fargo VA is only full medical center; rural areas 2-4 hours away)
- Veterans prioritizing urban culture/nightlife (North Dakota cities are small and quiet)
- Veterans without cold-weather vehicles (proper vehicle essential for winter survival)
Better options:
- If you want similar affordability without brutal winters: Consider Oklahoma, Kansas, or Arkansas (similar housing costs, milder winters)
- If you want better property tax exemptions: Consider Texas or Oklahoma (100% disabled veterans get higher exemption caps)
- If you want no state income tax and warm weather: Consider Texas, Florida, or Tennessee
Resources
Veteran Services:
- ND Department of Veterans Affairs: (701) 333-4321 | veterans.nd.gov | ndva@nd.gov
- Cass County Veterans Services (Fargo): (701) 241-5600 | casscountynd.gov/our-county/veterans-services
- Burleigh County Veterans Services (Bismarck): (701) 222-6718 | burleigh.gov
- Ward County Veterans Services (Minot): (701) 857-6460 | co.ward.nd.us
Healthcare:
- Fargo VA Medical Center: (701) 232-3241 | va.gov/fargo-health-care
- Fargo Vet Center: (701) 237-0942
- VA Clinic Locations: va.gov/fargo-health-care/locations
Employment:
- Job Service North Dakota: (866) 634-8387 | jobsnd.com/job-seeker/veterans
- USAJobs (federal): usajobs.gov
- Minot AFB Civilian Jobs: 5thforcesupport.com/civilian-personnel
- Grand Forks AFB Jobs: grandforks319fss.com/jobs
Education:
- UND Veterans Services: (701) 777-3363 | vets@UND.edu | und.edu/student-life/military
- NDSU Veterans Services: (701) 231-7206 | ndsu.edu/veterans
- ND State Approving Agency: (701) 333-4321 | veterans.nd.gov/about/education-saa
Relocation:
- ND.gov: nd.gov (state government portal)
- Fargo Moorhead Economic Development: fmwfchamber.com
- Bismarck-Mandan Chamber: bismarckmandanchamber.com
Frequently Asked Questions
Q: What's the best city in North Dakota for veterans?
A: Fargo ranks #1 overall due to best job market, VA Medical Center in city, NDSU's excellent GI Bill benefits, and most urban amenities. Bismarck is #2 for government jobs and families (safer, good schools).
Q: Where should student veterans live?
A: Grand Forks or Fargo. Grand Forks has the lowest rent ($930/month) and UND offers unlimited Yellow Ribbon slots with 100% tuition coverage. Fargo has NDSU with identical benefits plus better urban amenities.
Q: Which city is best for military retirees?
A: Minot (direct access to Minot AFB commissary/BX, strong military community) or Bismarck (safer, better healthcare, more amenities). Both offer affordable living and proximity to VA care.
Q: Where can I make the most money?
A: Williston (oil jobs pay $75,000-$112,000+), but it's extremely remote, expensive housing, and harsh winters. Fargo offers better work-life balance with good salaries ($60,000-$70,000 average).
Q: What's the safest city?
A: West Fargo is rated North Dakota's safest city (violent crime rate 1.79 per 1,000—less than half national average). Bismarck is second safest.
Q: Which city is most affordable?
A: Devils Lake (median home $220,000) and Jamestown ($250,000), but both have limited job markets. Minot offers best balance of affordability and employment.
Q: Can I live in North Dakota without a car?
A: Not realistically. Only Fargo has limited public transportation (MAT Bus). All other cities require personal vehicle. In winter, a reliable, winter-capable vehicle is essential for survival.
Q: How cold does it really get?
A: Extremely cold. January averages 5-17°F with wind chills of -30 to -50°F. Record lows reach -60°F. If you can't tolerate cold, North Dakota is not for you. This is not an exaggeration.
Q: Where's the closest major airport?
A: Minneapolis-St. Paul (MSP) is 4 hours from Fargo, 6-8 hours from western ND. Hector International (Fargo) has direct flights to Denver, Minneapolis, Phoenix, Las Vegas.
Q: Do I need VA healthcare or can I use private hospitals?
A: You can use Community Care (Mission Act) at private hospitals if you're 40+ miles from VA facility or wait time exceeds 20 days. North Dakota has excellent private hospitals (Sanford Health, Essentia, CHI St. Alexius).
Q: Are there veteran communities in smaller towns?
A: Yes. VFW/AL posts exist in most towns over 5,000 population. However, veteran population concentrates in Fargo (11,000+), Bismarck (4,000+), and Minot (5,000+).
Q: Can I homestead or buy cheap land in North Dakota?
A: No homesteading programs exist. Rural land is available but primarily agricultural (requires farming operation). Housing in cities is affordable compared to national average.
Last updated: 2025. City data and costs change frequently. Verify current information before relocating.