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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

$
Numbers update automatically as you type

You'd spend $211/month more in Toledo, OH

$150.0K in your current city equals $152.5K in Toledo, OH

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†‘ 2.8%
More expensive
Monthly Impact
$211
Extra cost
Annual Impact
$2.5K
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
100 = national average
Median Home:$280K

Toledo, OH

Population:265K
Cost Index:
103
(3% above avg)
Median Home:$130K

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!

Toledo, OH

The Buckeye State

265K
Population
State Tax
Yes

Located in Ohio, this city has a population of 265K residents.

Cost Breakdown by Category

Annual spending: Sioux Falls, SD vs Toledo, OH

Transportation
โ†‘ 34.4%
Sioux Falls, SD
$1,203
Toledo, OH
$1,617
Difference
$413
more
Housing
โ†“ 12.5%
Sioux Falls, SD
$1,834
Toledo, OH
$1,605
Difference
$229
less
Other
โ†‘ 9.6%
Sioux Falls, SD
$1,572
Toledo, OH
$1,723
Difference
$151
more
All Utilities
โ†‘ 22.3%
Sioux Falls, SD
$462
Toledo, OH
$565
Difference
$103
more
Healthcare
โ†“ 14.7%
Sioux Falls, SD
$671
Toledo, OH
$572
Difference
$98.55
less
Groceries
โ†‘ 3.1%
Sioux Falls, SD
$934
Toledo, OH
$963
Difference
$29.07
more

๐Ÿ›๏ธ Local Income Taxes

Toledo, OH: Toledo Municipal Income Tax$3,750/yr (2.5%)

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$683
To$772
โ†‘ $89.00
1 Bed
From$782
To$818
โ†‘ $36.00
2 Bed
From$913
To$1,075
โ†‘ $162
3 Bed
From$1,251
To$1,379
โ†‘ $128
Sioux Falls, SDZIP-level data

1BR range: $880โ€“$1,060/mo

Toledo, OHZIP-level data

1BR range: $740โ€“$930/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
$7,045
Monthly in Toledo, OH
$369
Difference

Home Values

Sioux Falls
Toledo
$280K
Median Value
$130K
โ†‘ +0.5%
YoY Change
โ†‘ +5.6%
โ†‘ +35.6%
5-Year Change
โ†‘ +41%
$216K - $323K
Price Range
$47K - $314K

Homes in Toledo are 54% less 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†“ $4.4K
More taxes
Monthly Difference
$369
Less take-home
Effective Rate Diff
3.0%
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

Toledo, 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

Additional Tax Information

Sioux Falls, SD Tax Rates

Sales Tax:6.4%
Property Tax:1.3%

Toledo, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

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
Toledo
45 Good
Air Quality
55 Moderate
63.7%
Good Air Days
32.8%
96 High
Climate Risk
99 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒก๐ŸŒช
โ–ฒ+3.4ยฐF
2050 Outlook
โ–ฒ+3.1ยฐF
35 days
Heat Days >95ยฐF
10 days
โ–ฒ+3.4ยฐF
2050 Outlook
โ–ฒ+3.1ยฐF
35 days
Heat Days >95ยฐF
10 days

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

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