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Cost of Living Comparison 2026

๐Ÿ“ Sioux Falls, SD โ€” ZIP-level rent data ยท COL adjusted from Omaha, NE area

$

Numbers update automatically as you type

You'd spend $759/month more in Charlotte, NC

$150.0K in your current city equals $159.1K in Charlotte, NC

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†‘ 10.1%
More expensive
Monthly Impact
$759
Extra cost
Annual Impact
$9.1K
Per year

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

Sioux Falls, SD

Population:206K
Cost Index:100
Median Home:$280K

Charlotte, NC

Population:875K
Cost Index:110
Median Home:$399K

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!

Charlotte, NC

The Tar Heel State

875K
Population
State Tax
Yes
Climate
Humid subtropical

Notable Facts

  • โ€ขMajor banking center
  • โ€ขNASCAR headquarters
  • โ€ขQueen City

Major Industries

FinanceTechnologyEnergyMotorsports

Cost Breakdown by Category

Annual spending: Sioux Falls, SD vs Charlotte, NC

๐Ÿ Housing
โ†‘ 34.6%
Sioux Falls, SD
$1,834
Charlotte, NC
$2,469
Difference
$635
more
๐Ÿ“ฆOther
โ†‘ 8.6%
Sioux Falls, SD
$1,572
Charlotte, NC
$1,707
Difference
$136
more
โšกAll Utilities
โ†‘ 12.3%
Sioux Falls, SD
$462
Charlotte, NC
$519
Difference
$56.77
more
๐Ÿ›’Groceries
โ†‘ 5.9%
Sioux Falls, SD
$934
Charlotte, NC
$989
Difference
$55.30
more
๐ŸฅHealthcare
โ†“ 4.8%
Sioux Falls, SD
$671
Charlotte, NC
$638
Difference
$32.36
less
๐Ÿš—Transportation
โ†“ 0.1%
Sioux Falls, SD
$1,203
Charlotte, NC
$1,202
Difference
$1.15
less

๐Ÿ Rent Comparison

Studio
From$683
To$1,630
โ†‘ $947
1 Bed
From$782
To$1,710
โ†‘ $928
2 Bed
From$913
To$1,870
โ†‘ $957
3 Bed
From$1,251
To$2,300
โ†‘ $1,049
Sioux Falls, SDZIP-level data

1BR range: $880โ€“$1,060/mo

Charlotte, NCZIP-level data

1BR range: $1,340โ€“$2,310/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.

$6,676
Monthly in Sioux Falls, SD
$7,525
Monthly in Charlotte, NC
$849
Difference

Home Values

Sioux Falls
Charlotte
$280K
Median Value
$399K
โ†‘ +0.5%
YoY Change
โ†“ -1.1%
โ†‘ +35.6%
5-Year Change
โ†‘ +40.8%
$216K - $323K
Price Range
$293K - $1.57M

Homes in Charlotte are 43% more expensive than Sioux Falls

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

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

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

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

Sioux Falls, SD Tax Rates

Sales Tax:6.4%
Property Tax:1.3%

Charlotte, NC Tax Rates

Sales Tax:7.1%
Property Tax:0.8%

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

Sioux Falls
Charlotte
45 Good
Air Quality
51 Moderate
63.7%
Good Air Days
46.2%
96 High
Climate Risk
97 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒช๐Ÿ’จ
โ–ฒ+3.4ยฐF
2050 Outlook
โ–ฒ+2.9ยฐF
35 days
Heat Days >95ยฐF
36 days
โ–ฒ+3.4ยฐF
2050 Outlook
โ–ฒ+2.9ยฐF
35 days
Heat Days >95ยฐF
36 days

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

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