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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $93.48/month more in Sioux Falls, SD

$150.0K in your current city equals $151.1K in Sioux Falls, SD

Rent data from HUD ZIP-level estimates ยท COL index from St. Louis, MO-IL area
Overall Cost
โ†‘ 1.2%
More expensive
Monthly Impact
$93.48
Extra cost
Annual Impact
$1.1K
Per year

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

St. Louis, MO

Population:302K
Cost Index:
100
100 = national average
Median Home:$145K

Sioux Falls, SD

Population:206K
Cost Index:
101
(1% above avg)
Median Home:$280K

St. Louis, MO

The Show-Me State

302K
Population
State Tax
Yes

Located in Missouri, this city has a population of 302K 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.

๐Ÿ’ก Advantage: South Dakota has no state income tax!

Cost Breakdown by Category

Annual spending: St. Louis, MO vs Sioux Falls, SD

Healthcare
โ†‘ 27.3%
St. Louis, MO
$527
Sioux Falls, SD
$671
Difference
$144
more
All Utilities
โ†“ 13.7%
St. Louis, MO
$535
Sioux Falls, SD
$462
Difference
$73.16
less
Housing
โ†“ 2.0%
St. Louis, MO
$1,871
Sioux Falls, SD
$1,834
Difference
$37.31
less
Other
โ†“ 2.2%
St. Louis, MO
$1,607
Sioux Falls, SD
$1,572
Difference
$35.29
less
Groceries
โ†“ 1.6%
St. Louis, MO
$949
Sioux Falls, SD
$934
Difference
$15.33
less
Transportation
โ†“ 1.0%
St. Louis, MO
$1,216
Sioux Falls, SD
$1,203
Difference
$12.51
less

๐Ÿ›๏ธ Local Income Taxes

St. Louis, MO: St. Louis Earnings Tax$1,500/yr (1.0%)

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$910
To$683
โ†“ $227
1 Bed
From$950
To$782
โ†“ $168
2 Bed
From$1,160
To$913
โ†“ $247
3 Bed
From$1,490
To$1,251
โ†“ $239
St. Louis, MOZIP-level data

1BR range: $800โ€“$1,480/mo

Sioux Falls, SDZIP-level data

1BR range: $880โ€“$1,060/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.

$6,705
Monthly in St. Louis, MO
$6,676
Monthly in Sioux Falls, SD
$29.71
Difference

Home Values

St. Louis
Sioux Falls
$145K
Median Value
$280K
โ†“ -0.8%
YoY Change
โ†‘ +0.5%
โ†‘ +10.9%
5-Year Change
โ†‘ +35.6%
$38K - $302K
Price Range
$216K - $323K

Homes in Sioux Falls are 93% more expensive than St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $7.9K
Per year
Monthly Difference
$661
More take-home
Effective Rate Diff
5.3%
Rate difference

St. Louis, MO

Federal Income Tax
Effective: 18.9%
$25.5K
Missouri State Tax
Effective: 5.3%
$7.9K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.0%
$44.9K
Take-Home Pay
$8,755/month
$105.1K

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

Additional Tax Information

St. Louis, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

Sioux Falls, SD Tax Rates

Sales Tax:6.4%
Property Tax:1.3%

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

St. Louis
Sioux Falls
54 Moderate
Air Quality
45 Good
38%
Good Air Days
63.7%
99 High
Climate Risk
96 High
๐ŸŒŠ๐ŸŒก๐Ÿซจ
Top Hazards
๐ŸŒŠ๐ŸŒก๐ŸŒช
โ–ฒ+3.0ยฐF
2050 Outlook
โ–ฒ+3.4ยฐF
39 days
Heat Days >95ยฐF
35 days
โ–ฒ+3.0ยฐF
2050 Outlook
โ–ฒ+3.4ยฐF
39 days
Heat Days >95ยฐF
35 days

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

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