Baltic, SD vs Earlham, IA: Cost of Living

Which city costs less?

Earlham, IA has a modeled overall cost index 23.2% higher than Baltic, SD.

Baltic, SD · modeled 2BR rent
$1,200 / month
Earlham, IA · modeled 2BR rent
$1,170 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Baltic, SD and Earlham, IA using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

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Estimated extra cost: $1,404/month in Earlham, IA

$150,000 in your current city has a modeled equivalent of $166,843 in Earlham, IA

Regional cost estimates: Baltic, SD uses Omaha, NE. Earlham, IA uses Des Moines, IA. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 23.2%
More expensive
Monthly Impact
$1,404
Extra cost
Annual Impact
$16.8K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Baltic, SD

Population:1K
Cost Index:
65.1
100 = national average
Typical Home:$343K

Earlham, IA

Population:1K
Cost Index:
80.2
100 = national average
Typical Home:$350K

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Baltic, SD

The Mount Rushmore State

1K
Population
State Tax
No Income Tax

Located in South Dakota, this city has a population of 1K residents.

💡 Advantage: South Dakota has no state income tax!

Earlham, IA

The Hawkeye State

1K
Population
State Tax
Yes

Located in Iowa, this city has a population of 1K residents.

Cost Breakdown by Category

Estimated monthly spending: Baltic, SD vs Earlham, IA

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Housing
↑ 23.0%
Baltic, SD
$1,961
Earlham, IA
$2,413
Difference
$452
more
Other
↑ 23.3%
Baltic, SD
$1,681
Earlham, IA
$2,073
Difference
$392
more
Transportation
↑ 24.6%
Baltic, SD
$1,287
Earlham, IA
$1,603
Difference
$316
more
Healthcare
↑ 11.6%
Baltic, SD
$834
Earlham, IA
$931
Difference
$96.86
more
Groceries
↑ 6.9%
Baltic, SD
$1,162
Earlham, IA
$1,242
Difference
$80.32
more
All Utilities
↑ 11.6%
Baltic, SD
$575
Earlham, IA
$642
Difference
$66.79
more

🏠Rent Comparison

Studio
From$900
To$940
↑ $40.00
1 Bed
From$1,020
To$980
↓ $40.00
2 Bed
From$1,200
To$1,170
↓ $30.00
3 Bed
From$1,650
To$1,590
↓ $60.00
Baltic, SDZIP-level data

1BR range: $1,020–$1,020/mo

Earlham, IAZIP-level data

1BR range: $980–$980/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Baltic, SD
$8,904
Monthly in Earlham, IA
$1,404
Difference

Home Values

Baltic
Earlham
$343K
Median Value
$350K
↑ +2.6%
YoY Change
↑ +1.2%
↑ +42.1%
5-Year Change
↑ +37.5%

Homes in Earlham are 2% more expensive than Baltic

Calculate payment - BalticCalculate payment - Earlham

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $10.7K
More taxes
Monthly Difference
$892
Less take-home
Effective Rate Diff
7.1%
Rate difference

Baltic, SD

Federal Income Tax
Effective: 18.9%
$25.5K
South Dakota State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Earlham, IA

Federal Income Tax
Effective: 18.9%
$25.5K
Iowa State Tax
Effective: 7.1%
$10.7K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.7K
Take-Home Pay
$8,524/month
$102.3K

Additional Tax Information

Baltic, SD Tax Rates

Sales Tax:6.4%
Property Tax:1.3%

Earlham, IA Tax Rates

Sales Tax:7.4%
Property Tax:1.5%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Baltic
Earlham
45 Good
Air Quality
45 Good
63.7%
Good Air Days
67.5%
96 High
Climate Risk
92 Moderate
🌊🌡🌪
Top Hazards
🌡☀🌪
▲+3.4°F
2050 Outlook
▲+3.4°F
35 days
Heat Days >95°F
25 days
▲+3.4°F
2050 Outlook
▲+3.4°F
35 days
Heat Days >95°F
25 days

Before moving from Baltic, SD to Earlham, IA

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Earlham, IA for the same bedroom count and included utilities as your home in Baltic, SD. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Baltic to Earlham moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Earlham, IA by cost, housing, population and region.

Frequently Asked Questions: Baltic, SD vs Earlham, IA

How do the cost estimates for Baltic, SD and Earlham, IA compare?

Earlham, IA has a modeled overall cost index 23.2% higher than Baltic, SD. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Baltic, SD, the model estimates $166,843 in Earlham, IA. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Baltic, SD and Earlham, IA?

The modeled two-bedroom rents are $1,200/month in Baltic, SD and $1,170/month in Earlham, IA. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between South Dakota and Iowa on TaxTakeHome.com

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