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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $77.16/month moving to Sioux Falls, SD

$150.0K in your current city equals $149.1K in Sioux Falls, SD

Rent data from HUD ZIP-level estimates ยท COL index from Cincinnati, OH-KY-IN area
Overall Cost
โ†“ 1.0%
Less expensive
Monthly Impact
$77.16
Savings
Annual Impact
$926
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Cincinnati, OH

Population:309K
Cost Index:
100
100 = national average
Median Home:$225K

Sioux Falls, SD

Population:206K
Cost Index:
99
(1% below avg)
Median Home:$280K

Cincinnati, OH

The Buckeye State

309K
Population
State Tax
Yes

Located in Ohio, this city has a population of 309K residents.

Sioux Falls, SD

The Mount Rushmore State

206K
Population
State Tax
No Income Tax

Located in South Dakota, this city has a population of 206K residents.

๐Ÿ’ก Advantage: South Dakota has no state income tax!

Cost Breakdown by Category

Annual spending: Cincinnati, OH vs Sioux Falls, SD

Housing
โ†“ 11.8%
Cincinnati, OH
$2,079
Sioux Falls, SD
$1,834
Difference
$245
less
Healthcare
โ†‘ 18.9%
Cincinnati, OH
$564
Sioux Falls, SD
$671
Difference
$107
more
Other
โ†“ 2.2%
Cincinnati, OH
$1,607
Sioux Falls, SD
$1,572
Difference
$35.29
less
Groceries
โ†‘ 1.6%
Cincinnati, OH
$919
Sioux Falls, SD
$934
Difference
$14.65
more
Transportation
โ†“ 1.0%
Cincinnati, OH
$1,216
Sioux Falls, SD
$1,203
Difference
$12.51
less
All Utilities
โ†“ 0.5%
Cincinnati, OH
$464
Sioux Falls, SD
$462
Difference
$2.13
less

๐Ÿ›๏ธ Local Income Taxes

Cincinnati, OH: Cincinnati Earnings Tax$2,700/yr (1.8%)

Sioux Falls, SD has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

๐Ÿ Rent Comparison

Studio
From$850
To$683
โ†“ $167
1 Bed
From$935
To$782
โ†“ $153
2 Bed
From$1,200
To$913
โ†“ $287
3 Bed
From$1,585
To$1,251
โ†“ $334
Cincinnati, OHZIP-level data

1BR range: $760โ€“$1,580/mo

Sioux Falls, SDZIP-level data

1BR range: $880โ€“$1,060/mo

๐Ÿ’ก Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$6,849
Monthly in Cincinnati, OH
$6,676
Monthly in Sioux Falls, SD
$174
Difference

Home Values

Cincinnati
Sioux Falls
$225K
Median Value
$280K
โ†‘ +1.2%
YoY Change
โ†‘ +0.5%
โ†‘ +31.9%
5-Year Change
โ†‘ +35.6%
$113K - $592K
Price Range
$216K - $323K

Homes in Sioux Falls are 24% more expensive than Cincinnati

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $4.4K
Per year
Monthly Difference
$369
More take-home
Effective Rate Diff
3.0%
Rate difference

Cincinnati, OH

Federal Income Tax
Effective: 18.9%
$25.5K
Ohio State Tax
Effective: 3.0%
$4.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.6%
$41.4K
Take-Home Pay
$9,047/month
$108.6K

Sioux Falls, 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

Additional Tax Information

Cincinnati, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

Sioux Falls, SD Tax Rates

Sales Tax:6.4%
Property Tax:1.3%

๐Ÿ’ก 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

Cincinnati
Sioux Falls
52 Moderate
Air Quality
45 Good
44.8%
Good Air Days
63.7%
96 High
Climate Risk
96 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒก๐ŸŒช
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+3.4ยฐF
29 days
Heat Days >95ยฐF
35 days
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+3.4ยฐF
29 days
Heat Days >95ยฐF
35 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Ohio and South Dakota on TaxTakeHome.com

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