Is Sioux Falls, SD cheaper than Saint Paul, MN?

Based on cost of living data, Sioux Falls, SD is 18.4% cheaper than Saint Paul, MN. This translates to saving $1383 per month.

What salary do I need in Sioux Falls, SD to live like I do in Saint Paul, MN?

If you earn $150,000 in Saint Paul, MN, you'd need approximately $133,403.627 in Sioux Falls, SD to maintain the same standard of living.

How does housing cost compare between Saint Paul, MN and Sioux Falls, SD?

Housing in Sioux Falls, SD is 34.7% cheaper than in Saint Paul, MN. For a two-bedroom apartment, rent is $913/month in Sioux Falls, SD compared to $1,500/month in Saint Paul, MN.

How much can I save per month by moving from Saint Paul, MN to Sioux Falls, SD?

Moving from Saint Paul, MN to Sioux Falls, SD could save you approximately $1383 per month, or $16596 per year, based on a $150,000 salary.

Saint Paul, MN vs Sioux Falls, SD: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Saint Paul, MN

Numbers update automatically as you type

You'd save $1.4K/month moving to Sioux Falls, SD

$150.0K in your current city equals $133.4K in Sioux Falls, SD

Rent data from HUD ZIP-level estimates · COL index from Minneapolis-St. Paul-Bloomington, MN-WI area

Overall Cost

↓ 18.4%

Less expensive

Monthly Impact

$1,383

Savings

Annual Impact

$16.6K

Per year

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

Saint Paul, MN

Population:308K

Cost Index:

100

100 = national average

Median Home:$274K

Sioux Falls, SD

Population:206K

Cost Index:

(18% below avg)

Median Home:$280K

Saint Paul, MN

The North Star State

308K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 308K 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.

💡 Advantage: South Dakota has no state income tax!

Cost Breakdown by Category

Annual spending: Saint Paul, MN vs Sioux Falls, SD

Category	Saint Paul, MN	Sioux Falls, SD	Difference	Change
Housing	$2,807/mo	$1,834/mo	↓ $973less	34.7%
Other	$1,774/mo	$1,572/mo	↓ $203less	11.4%
Transportation	$1,380/mo	$1,203/mo	↓ $176less	12.8%
Groceries	$1,029/mo	$934/mo	↓ $95.27less	9.3%
Healthcare	$756/mo	$671/mo	↓ $85.36less	11.3%
All Utilities	$508/mo	$462/mo	↓ $45.84less	9.0%

Housing

↓ 34.7%

Saint Paul, MN

$2,807

Sioux Falls, SD

$1,834

Difference

$973

less

Other

↓ 11.4%

Saint Paul, MN

$1,774

Sioux Falls, SD

$1,572

Difference

$203

less

Transportation

↓ 12.8%

Saint Paul, MN

$1,380

Sioux Falls, SD

$1,203

Difference

$176

less

Groceries

↓ 9.3%

Saint Paul, MN

$1,029

Sioux Falls, SD

$934

Difference

$95.27

less

Healthcare

↓ 11.3%

Saint Paul, MN

$756

Sioux Falls, SD

$671

Difference

$85.36

less

All Utilities

↓ 9.0%

Saint Paul, MN

$508

Sioux Falls, SD

$462

Difference

$45.84

less

🏠Rent Comparison

Studio

From$1,000

To$683

↓ $317

1 Bed

From$1,200

To$782

↓ $418

2 Bed

From$1,500

To$913

↓ $587

3 Bed

From$2,100

To$1,251

↓ $849

Sioux Falls, SDZIP-level data

1BR range: $880–$1,060/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.

$8,254

Monthly in Saint Paul, MN

$6,676

Monthly in Sioux Falls, SD

$1,578

Difference

Home Values

Saint Paul

Sioux Falls

$274K

Median Value

$280K

↓ -0.1%

YoY Change

↑ +0.5%

↑ +13.6%

5-Year Change

↑ +35.6%

$175K - $452K

Price Range

$216K - $323K

Homes in Sioux Falls are 2% more expensive than Saint Paul

Calculate payment - Saint Paul Calculate payment - Sioux Falls

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $10.4K

Per year

Monthly Difference

$869

More take-home

Effective Rate Diff

7.0%

Rate difference

Saint Paul, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

Sioux Falls, SD

Federal Income Tax

Effective: 18.9%

$25.5K

South Dakota State Tax

No state income tax

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

Saint Paul, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

Sioux Falls, SD Tax Rates

Sales Tax:6.4%

Property Tax:1.3%

💡 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.