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Cost of Living Comparison 2026

📍 Rapid City, SD — COL adjusted from Denver, CO area + state data

$

Numbers update automatically as you type

You'd spend $1.3K/month more in Charlotte, NC

$150.0K in your current city equals $166.0K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 17.8%
More expensive
Monthly Impact
$1,332
Extra cost
Annual Impact
$16.0K
Per year

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

Rapid City, SD

Population:79K
Cost Index:100
Median Home:$513K

Charlotte, NC

Population:875K
Cost Index:118
Median Home:$399K

Rapid City, SD

The Mount Rushmore State

79K
Population
State Tax
No Income Tax

Located in South Dakota, this city has a population of 79K residents.

💡 Advantage: South Dakota has no state income tax!

Charlotte, NC

The Tar Heel State

875K
Population
State Tax
Yes
Climate
Humid subtropical

Notable Facts

  • •Major banking center
  • •NASCAR headquarters
  • •Queen City

Major Industries

FinanceTechnologyEnergyMotorsports

Cost Breakdown by Category

Annual spending: Rapid City, SD vs Charlotte, NC

📦Other
↑ 28.5%
Rapid City, SD
$1,329
Charlotte, NC
$1,707
Difference
$379
more
🏠Housing
↑ 12.8%
Rapid City, SD
$2,189
Charlotte, NC
$2,469
Difference
$280
more
🚗Transportation
↑ 9.8%
Rapid City, SD
$1,094
Charlotte, NC
$1,202
Difference
$108
more
🛒Groceries
↑ 11.1%
Rapid City, SD
$891
Charlotte, NC
$989
Difference
$98.62
more
🏥Healthcare
↑ 16.7%
Rapid City, SD
$547
Charlotte, NC
$638
Difference
$91.29
more
⚡All Utilities
↑ 15.6%
Rapid City, SD
$449
Charlotte, NC
$519
Difference
$69.90
more

🏠Rent Comparison

Studio
From$859
To$1,630
↑ $771
1 Bed
From$987
To$1,710
↑ $723
2 Bed
From$1,241
To$1,870
↑ $629
3 Bed
From$1,719
To$2,300
↑ $581
Charlotte, NCZIP-level data

1BR range: $1,340–$2,310/mo

💡 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.

$6,499
Monthly in Rapid City, SD
$7,525
Monthly in Charlotte, NC
$1,026
Difference

Home Values

Rapid City
Charlotte
-
Median Value
$399K
-
YoY Change
↓ -1.1%
-
5-Year Change
↑ +40.8%
-
Price Range
$293K - $1.57M
Calculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $7.1K
More taxes
Monthly Difference
$594
Less take-home
Effective Rate Diff
4.7%
Rate difference

Rapid City, 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

Charlotte, NC

Federal Income Tax
Effective: 18.9%
$25.5K
North Carolina State Tax
Effective: 4.8%
$7.1K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.4%
$44.1K
Take-Home Pay
$8,822/month
$105.9K

Additional Tax Information

Rapid City, SD Tax Rates

Sales Tax:6.4%
Property Tax:1.3%

Charlotte, NC Tax Rates

Sales Tax:7.1%
Property Tax:0.8%

💡 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

Rapid City
Charlotte
55 Moderate
Air Quality
51 Moderate
35.2%
Good Air Days
46.2%
95 High
Climate Risk
97 High
🌊🌪💨
Top Hazards
🌊🌪💨
▲+3.3°F
2050 Outlook
▲+2.9°F
28 days
Heat Days >95°F
36 days
▲+3.3°F
2050 Outlook
▲+2.9°F
28 days
Heat Days >95°F
36 days

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

Similar cost to Charlotte, NC

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