Fargo Moorhead Economic Cost Analysis: October 2015 Analyzing factors for those in a Homeless Situation. By: Kyle Sample
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1 Fargo Moorhead Economic Cost Analysis: October 2015 Analyzing factors for those in a Homeless Situation By: Kyle Sample
2 Average spending in the Fargo Moorhead area Housing Rent: $ average per month in a single unit apartment Utilities/Bills Utilities/Bills Electricity: $75.00 average per month Water: Included with most apartments Heat: Included with most of apartments or part of electricity cost Sewer: Included with most apartments Phone: $50.00 average per month for unlimited talk and text Internet: $30.00 average per month for cheapest package Transportation Fuel: $30.00 average per week Bus Pass: $42.00 per month or $1.50 per ride Medical Insurance in North Dakota: $93.15 Living Groceries: $ average per month per person Total Average Cost For Bills $1, Monthly Percentage Analysts of $1, Rent: $ % Utilities/ Bills: $ % Food: $ % Clothing and Personal Care: $ % Recreational/Entertainment: $ % Transportation $ % Medical/Dental: $ % Savings: $ %
3 Transportation 11% AVERAGE COST OF BILLS Medical 8% Rent 49% Food 23% Utilities/Bills 9% What Bills are not Included Renters Insurance Car Insurance Clothes Personal Care Entertainment Eating Out Medications Personal debts and loans Savings Vacations
4 Cost Analysts $7.25 per Hour $7.25 per hour (minimum wage) * 40 hours per week = $ weekly income before taxes $ * 52 (weeks in a year) = $15, yearly income before taxes $15, (months in a year) = $1, monthly income before taxes $1, (monthly income) * 0.15 (income tax percentage) = $ monthly income tax taken out $1, (monthly income) - $ (income tax taken out) = $1, monthly income Monthly Percentage Analysts recommended Government spending Rent: $ % Utilities/ Bills: $ % Food: $ % Clothing and Personal Care: $ % Recreational/Entertainment: $ % Transportation $ % Medical/Dental: $ % Savings: $ %
5 Medical/Dental, $80.11 Transportation, $80.11 Savings, $53.41 Rent, $ Recreational/Enter tainment, $ Utilities/Bills, $ Clothing and Personal Care, $ Food, $ $ $ $ $ $ $ $7.25 Hourly Wage Rate Average Bill Rate $ $0.00
6 Cost Analysts $10.00 per Hour $10.00 per hour (average starting wage) * 40 hours a week = $ weekly income before taxes $ (weekly income) * 52 (weeks in a year) = $20, yearly income before taxes $20, (yearly income) 12 (months in a year) = $1, monthly income before taxes $1, (monthly income) * 0.15 (income tax percentage) = $ monthly income tax taken out $1, (monthly income) - $ = $ monthly income after income tax Monthly Percentage Analysts recommended Government spending Rent: $ % Utilities/ Bills: $ % Food: $ % Clothing and Personal Care: $ % Recreational/Entertainment: $ % Transportation $ % Medical/Dental: $ % Savings: $ %
7 Medical/Dental, $ Transportation, $ Savings, $73.87 Rent, $ Recreational/Enter tainment, $ Utilities/Bills, $ Clothing and Personal Care, $ Food, $ $ $ $ $ $ $ $10.00 Hourly Stating Wage Average Bill Rate $ $0.00
8 Cost Analyst Social Security Monthly Wage $1, $1, monthly income for Social Security * 12 months = $13, Yearly income for Social Security $13, Yearly Social Security Income 52 weeks = $ weekly Social Security Income $ Weekly Social Security Income 40 (full time hours worked) = $6.72 hourly rate for Social Security Income Monthly Percentage Analysts recommended Government spending Rent: $ % Utilities/ Bills: $ % Food: $ % Clothing and Personal Care: $ % Recreational/Entertainment: $ % Transportation $ % Medical/Dental: $ % Savings: $ %
9 Medical/Dental, $87.38 Transportation, $87.38 Savings, $58.25 Rent, $ Recreational/Enter tainment, $ Utilities/Bills, $ Clothing and Personal Care, $ Food, $ $ $ $ $ $ $ Social Security Wage Rate Average Bill Rate $ $0.00
10 Food Cost Breakdown: Two Weeks of Food, Two Meals a Day Chips: $2.50 per bag (4) Turkey: $2.82 per 1 lbs (2) Ham: $ oz (2) Chicken: $ lbs (2) Cheese: $ oz (4) Milk: $ gallon (2) Bread: $1.73 per bag (4) Frozen Chicken $3.64 per lbs (2) Pizza: $ oz (4) Hamburger: $ lbs (2) Pop: $4.48 per 12 pack (4) Grapes: $2.68 per lbs (2) Pares: $1.47 per lbs (4) Lettuce shreds: $1.86 per bag (2) What does this add up to be? Two week total: $ One week total: $64.35 Yearly total: $3, Monthly total: $ Recommended Hourly rate for the cost of food? $3, (federal government recommended percentage towards food cost.) = $16, (yearly income after tax) $16, (15% income tax taken out) = $19, (Gross Yearly Income) $19, (months in a year) = $1, (monthly income before taxes) $19, (weeks in a year) = $ (weekly income before taxes) $ (full time hours in a week) = $9.46 (Hourly rate needed for food cost percentage in the Fargo Moorhead area as advised by the federal government)
11 Cost Analysts $9.46 per hour (Food Wage) Monthly Percentage Analysts recommended Government spending Rent: $ % Utilities/ Bills: $ % Food: $ % Clothing and Personal Care: $ % Recreational/Entertainment: $ % Transportation $ % Medical/Dental: $ % Savings: $ % How Much Food Cost Per Hour $ (average food cost per month) * 12 (months in a year) = $3, (yearly food cost) $3, (Yearly food cost) / 0.85 (15% tax) = $3, (yearly GROSS food earnings) $3, (yearly GROSS food earnings) / 52 (weeks in a year) = $75.71 (Weekly GROSS food earnings) $75.71 (weekly GROSS food earnings) / 40 (hours worked in a work week) = $1.89 (minimum hourly food rate)
12 Medical/Dental, $ Transportation, $ Savings, $70.79 Rent, $ Recreational/Enter tainment, $ Utilities/Bills, $ Clothing and Personal Care, $ Food, $ $ $ $ $ $ $ Food Wage Rate Average Bill Rate $ $0.00
13 Cost Analysts $14.15 per hour (Housing Wage) Monthly Percentage Analysts recommended Government spending Rent: $ % Utilities/ Bills: $ % Food: $ % Clothing and Personal Care: $ % Recreational/Entertainment: $ % Transportation $ % Medical/Dental: $ % Savings: $ % Hourly Rate $ (average cost of rent per month) / 0.30 (recommending housing percentage) = $1, (housing monthly income) $1, (housing monthly income) * 12 (months in a year) = $23, (yearly income) $23, (yearly income) / 0.80 (20% tax rate) = $29, (GROSS yearly income) $29, (GROSS yearly income) / 52 (weeks in a year) = $ (GROSS weekly income) $ (GROSS weekly income) / 40 (hours worked in a week) = $14.15 (hourly income) How Much Rent Cost per Hour $ (average cost of rent per month) * 12 (months in a year) = $7, (yearly average cost of rent) $7, (yearly average cost of rent) / 0.80 (20% tax rate) = $8, (GROSS rent cost) $8, (GROSS rent cost) / 52 (weeks in a year) = $ (GROSS weekly rent cost) $ / 40 (hours worked in a week) = $4.24 (minimum hourly rent rate)
14 Medical/Dental, $ Transportation, $ Savings, $97.40 Rent, $ Recreational/Enter tainment, $ Utilities/Bills, $ Clothing and Personal Care, $ Food, $ $ $ $ $ $ $ Housing Wage Rate Average Cost Rate $ $0.00
15 Cost Analysts North Dakota Minimum Health Insurance Hourly Rate of $7.17 Monthly Percentage Analysts recommended Government spending Rent: $ % Utilities/ Bills: $ % Food: $ % Clothing and Personal Care: $ % Recreational/Entertainment: $ % Transportation $ % Medical/Dental: $ % Savings: $ % Hourly rate for Health Insurance $93.15 (minimum North Dakota health insurance) / (recommended spending for insurance) = $1, (health insurance monthly income) $1, (health insurance monthly income) * 12 (months in a year) $14, (yearly income) $14, (yearly income / 0.85 (15% income tax) = $17, (GROSS yearly income) $17, (GROSS yearly income) / 52 (weeks in a year) = $ (GROSS weekly income) $ (GROSS weekly income) / 40 (hours worked in a week) = $8.43 (Health Insurance minimum wage) Health Insurance Minimum Hourly Rate $93.15 (minimum North Dakota health insurance) * 12 (months in a year) = $1, (Yearly insurance cost) $1, (Yearly insurance cost) / 0.85 (15% income tax) = $1, (GROSS insurance cost) $1, (GROSS insurance cost) / 52 (weeks in a year) = $25.29 (GROSS weekly insurance cost) $25.29 (GROSS weekly insurance cost) / 40 (weekly hour worked) = $0.63 (health insurance minimum cost per hour)
16 Medical/Dental, $93.15 Transportation, $93.15 Savings, $62.10 Rent, $ Recreational/Enter tainment, $ Clothing and Personal Care, $ Food, $ Utilities/Bills, $ $ $ $ $ $ $ ND Health Insurance Rate Average Cost Rate $ $0.00
17 Cost Analysts North Dakota Transportation Personal Vehicle $30.00 per Week Monthly Percentage Analysts recommended Government spending Rent: $ % Utilities/ Bills: $ % Food: $ % Clothing and Personal Care: $ % Recreational/Entertainment: $ % Transportation $ % Medical/Dental: $ % Savings: $ % Hourly rate for Transportation $ (monthly transportation cost) / (recommended spending for transportation) = $1, (transportation monthly cost) $1, (transportation monthly cost) * 12 (months in a year) $20, (yearly income) $20, (yearly income) / 0.85 (15% income tax) = $24, (GROSS yearly income) $24, (GROSS yearly income) / 52 (weeks in a year) = $ (GROSS weekly income) $ (GROSS weekly income) / 40 (hours worked in a week) = $11.76 (Transportation rate hourly wage) Transportation Minimum Hourly Rate $ (monthly transportation cost) * 12 (months in a year) = $1, (Yearly transportation cost) $1, (Yearly transportation cost) / 0.85 (15% income tax) = $1, (GROSS insurance cost) $1, (GROSS insurance cost) / 52 (weeks in a year) = $35.29 (GROSS weekly transportation cost) $35.29 (GROSS weekly transportation cost) / 40 (weekly hour worked) = $0.88 (transportation cost per hour)
18 Medical/Dental, $ Transportation, $ Savings, $86.67 Rent, $ Recreational/Enter tainment, $ Utilities/Bills, $ Clothing and Personal Care, $ Food, $ $ $ $ $ $ $ Car Transportation Rate Average Bill Rate $ $0.00
19 Cost Analysts North Dakota Transportation Bus Pass ($42.00 per Month) Monthly Percentage Analysts recommended Government spending Rent: $ % Utilities/ Bills: $ % Food: $ % Clothing and Personal Care: $ % Recreational/Entertainment: $ % Transportation: $ % Medical/Dental: $ % Savings: $ % Hourly rate for Transportation Bus Pass $42.00 (cost of a bus pass) / (recommended spending for transportation) = $ (monthly income basses on bus pass ratio) $ (health insurance monthly income) * 12 (months in a year) $6, (yearly income) $6, (yearly income / 0.85 (15% income tax) = $7, (GROSS yearly income) $7, (GROSS yearly income) / 52 (weeks in a year) = $ (GROSS weekly income) $ (GROSS weekly income) / 40 (hours worked in a week) = $3.80 (bus pass minimum wage rate) Bus Pass Minimum Hourly Rate $42.00 (monthly bus pass cost) * 12 (months in a year) = $ (Yearly bus pass cost) $ (Yearly bus pass cost) / 0.85 (15% income tax) = $ (GROSS bus pass cost) $ (GROSS buss pass cost) / 52 (weeks in a year) = $11.40 (GROSS weekly bus pass cost) $11.40 (GROSS weekly bus pass cost) / 40 (weekly hour worked) = $0.29 (bus pass minimum cost per hour)
20 Medical/Dental, $42.00 Transportation, $42.00 Savings, $28.00 Rent, $ Recreational/Enter tainment, $56.00 Utilities/Bills, $56.00 Clothing and Personal Care, $56.00 Food, $ $ $ $ $ $ $ Bus Pass Rate Average Cost Rate $ $0.00
21 Cost Analysts Average Monthly Utilities/Bill Cost ($ per Month) Monthly Percentage Analysts recommended Government spending Rent: $ % Utilities/ Bills: $ % Food: $ % Clothing and Personal Care: $ % Recreational/Entertainment: $ % Transportation: $ % Medical/Dental: $ % Savings: $ % Hourly rate for Utilities/Bill Cost $ (average utilities/bills cost) / 0.10 (recommended cost for utilities/bills) = $1, (monthly utilities/bills income ratio) $1, (monthly utilities/bills income ratio) * 12 (months in a year) $22, (yearly income) $22, (yearly income) / 0.85 (15% income tax) = $26, (GROSS yearly income) $26, (GROSS yearly income) / 52 (weeks in a year) = $ (GROSS weekly income) $ (GROSS weekly income) / 40 (hours worked in a week) = $12.57 (Utilities/Bills minimum wage Utilities/Bills Minimum Hourly Rate $ (monthly utilities/bills cost) * 12 (months in a year) = $2, (Yearly utilities/bills cost) $2, (Yearly utilities/bills cost) / 0.85 (15% income tax) = $2, (GROSS utilities/bills cost) $2, (GROSS utilities/bills cost) / 52 (weeks in a year) = $50.23 (GROSS weekly utilities/bills cost) $50.23 (GROSS weekly utilities/bills cost) / 40 (weekly hour worked) = $1.26 (utilities/bills minimum cost per hour)
22 Medical/Dental, $ Transportation, $ Savings, $92.50 Rent, $ Recreational/Enter tainment, $ Utilities/Bills, $ Clothing and Personal Care, $ Food, $ $ $ $ $ $ $ Utilities/Bills Rate Average Cost Rate $ $0.00
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