Cost of Living in Sioux Falls, SD (2026) – Salary Needed & Budget Calculator

Thinking about moving to Sioux Falls? Use this 2026 Sioux Falls cost of living calculator to estimate rent, groceries, utilities, transportation, healthcare and taxes.

Monthly Budget Breakdown

Net Monthly Income
$3,932.83
Estimated Expenses
$2,741.00
Monthly Remaining
$1,191.83
Comfortable Buffer
🟢 Budget Assessment

Your salary provides a comfortable buffer for life in Sioux Falls. You can save and enjoy leisure activities.

With this income, you can potentially save around $14,302 per year.
Category Monthly Cost
Rent (Single) $1,100.00
Utilities $260.00
Groceries $450.00
Transportation (Public) $350.00
Healthcare $400.00
Miscellaneous (10.0%) $181.00
Total Estimated Costs $2,741.00
Tax & Benefits Breakdown
Federal: $434.67/mo
FICA: $382.50/mo
State: $0.00/mo
Benefits: $250.00/mo

2026 Cost of Living in Sioux Falls, SD

Sioux Falls offers a balanced mix of urban convenience and suburban comfort, retaining its core South Dakota character.

🏠 Housing Market Dynamics

The real estate market is dynamic here. A 1-bedroom apartment in 2026 averages $1100. Whether you seek urban density downtown or spacious lots in the suburbs, there are diverse options available.

💰 Tax Landscape & Economy

Taxes form a crucial component of any relocation decision. Here, the state income tax is 0%, which alongside consistent local economic growth, creates a predictable financial environment for residents.

Salary Needed to Live Comfortably

In our estimation, to live a comfortable life in Sioux Falls with a buffer for savings and hobbies, you would need a gross annual salary of approximately:

$59,856.00

This assumes you want to save at least $1,000 per month after all expenses and taxes.

Frequently Asked Questions

Sioux Falls's cost of living is relative. Compared to NYC or SF, it might be affordable, but compared to national averages, it ranks within average bounds.

For most residents, housing is the primary driver of the cost of living, with median rents for a 1-bedroom apartment currently around $1,100.
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Calculator Disclaimer

The results provided by this calculator are estimates based on publicly available data and modeling assumptions. Actual living costs, taxes, and relocation expenses may vary depending on personal circumstances, market conditions, and local regulations. This tool is intended for informational purposes only and should not be considered financial, tax, or legal advice. Always consult a qualified professional before making financial or relocation decisions.