Fargo, ND vs Sioux Falls, SD: Cost of Living
Which city costs less?
Sioux Falls, SD has a modeled overall cost index 0.3% lower than Fargo, ND.
- Fargo, ND · modeled 2BR rent
- $1,040 / month
- Sioux Falls, SD · modeled 2BR rent
- $1,110 / 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
Adjust your income and compare the budget ↓Cost of Living Comparison 2026
Compare Fargo, ND and Sioux Falls, SD 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
Estimated savings: $52.05/month in Sioux Falls, SD
$150,000 in your current city has a modeled equivalent of $149,375 in Sioux Falls, SD
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.
Fargo, ND
Sioux Falls, SD
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Plan my move with the free checklistFargo, ND
The Peace Garden State
Located in North Dakota, this city has a population of 133K residents.
Sioux Falls, SD
The Mount Rushmore State
Located in South Dakota, this city has a population of 206K residents.
💡 Advantage: South Dakota has no state income tax!
Cost Breakdown by Category
Estimated monthly spending: Fargo, ND vs Sioux Falls, SD
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.
| Category | Fargo, ND | Sioux Falls, SD | Difference | Change |
|---|---|---|---|---|
Housing | $2,306/mo | $2,046/mo | ↓ $260less | 11.3% |
Other | $1,620/mo | $1,754/mo | ↑ $134more | 8.3% |
Transportation | $1,260/mo | $1,342/mo | ↑ $82.91more | 6.6% |
Healthcare | $763/mo | $748/mo | ↓ $14.76less | 1.9% |
Groceries | $1,039/mo | $1,042/mo | ↑ $3.28more | 0.3% |
All Utilities | $513/mo | $516/mo | ↑ $2.96more | 0.6% |
🏠Rent Comparison
1BR range: $860–$860/mo
1BR range: $880–$1,060/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.
Home Values
Homes in Sioux Falls are 8% more expensive than Fargo
Source: Zillow Home Value Index (ZHVI), January 2026
Tax Comparison
Annual tax burden comparison at $150.0K salary
Fargo, ND
Sioux Falls, SD
Additional Tax Information
Fargo, ND Tax Rates
Sioux Falls, SD Tax Rates
💡 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
Before moving from Fargo, ND to Sioux Falls, SD
Use this comparison to shortlist a move, then check the costs that depend on your household.
- Compare actual homes. Get current quotes in Sioux Falls, SD for the same bedroom count and included utilities as your home in Fargo, ND. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
- 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.
- 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.
- Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Fargo to Sioux Falls moving checklist to organize the tasks and timing.
Still choosing a destination? Explore cities similar to Sioux Falls, SD by cost, housing, population and region.
Frequently Asked Questions: Fargo, ND vs Sioux Falls, SD
How do the cost estimates for Fargo, ND and Sioux Falls, SD compare?
What does the equivalent salary mean?
What rent estimates are available for Fargo, ND and Sioux Falls, SD?
How should I use this comparison before moving?
💰 See how taxes change too — compare take-home pay between North Dakota and South Dakota on TaxTakeHome.com
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