Three Oaks, MI vs Baltic, SD: Cost of Living

Which city costs less?

Baltic, SD has a modeled overall cost index 26.8% lower than Three Oaks, MI.

Three Oaks, MI · modeled 2BR rent: $1,240 / month
Baltic, SD · modeled 2BR rent: $1,200 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Three Oaks, MI and Baltic, SD using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Three Oaks, MI

Numbers update automatically as you type

Estimated savings: $1,983/month in Baltic, SD

$150,000 in your current city has a modeled equivalent of $126,198 in Baltic, SD

Regional cost estimates: Three Oaks, MI uses Chicago, IL. Baltic, SD uses Omaha, NE. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 26.8%

Less expensive

Monthly Impact

$1,983

Savings

Annual Impact

$23.8K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Three Oaks, MI

Population:1K

Cost Index:

89.0

100 = national average

Typical Home:$329K

Baltic, SD

Population:1K

Cost Index:

65.1

100 = national average

Typical Home:$343K

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Three Oaks, MI

The Great Lakes State

Population

State Tax

Yes

Located in Michigan, this city has a population of 1K residents.

Baltic, SD

The Mount Rushmore State

Population

State Tax

No Income Tax

Located in South Dakota, this city has a population of 1K residents.

💡 Advantage: South Dakota has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Three Oaks, MI vs Baltic, SD

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Three Oaks, MI	Baltic, SD	Difference	Change
Housing	$2,418/mo	$1,443/mo	↓ $976less	40.3%
Transportation	$1,472/mo	$947/mo	↓ $526less	35.7%
Other	$1,540/mo	$1,236/mo	↓ $304less	19.7%
Groceries	$994/mo	$854/mo	↓ $139less	14.0%
All Utilities	$501/mo	$423/mo	↓ $78.24less	15.6%
Healthcare	$574/mo	$613/mo	↑ $39.15more	6.8%

Housing

↓ 40.3%

Three Oaks, MI

$2,418

Baltic, SD

$1,443

Difference

$976

less

Transportation

↓ 35.7%

Three Oaks, MI

$1,472

Baltic, SD

$947

Difference

$526

less

Other

↓ 19.7%

Three Oaks, MI

$1,540

Baltic, SD

$1,236

Difference

$304

less

Groceries

↓ 14.0%

Three Oaks, MI

$994

Baltic, SD

$854

Difference

$139

less

All Utilities

↓ 15.6%

Three Oaks, MI

$501

Baltic, SD

$423

Difference

$78.24

less

Healthcare

↑ 6.8%

Three Oaks, MI

$574

Baltic, SD

$613

Difference

$39.15

🏠Rent Comparison

Studio

From$850

To$900

↑ $50.00

1 Bed

From$950

To$1,020

↑ $70.00

2 Bed

From$1,240

To$1,200

↓ $40.00

3 Bed

From$1,630

To$1,650

↑ $20.00

Three Oaks, MIZIP-level data

1BR range: $950–$950/mo

Baltic, SDZIP-level data

1BR range: $1,020–$1,020/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Three Oaks, MI

$5,517

Monthly in Baltic, SD

$1,983

Difference

Home Values

Three Oaks

Baltic

$329K

Median Value

$343K

↑ +7.2%

YoY Change

↑ +2.6%

↑ +44.8%

5-Year Change

↑ +42.1%

Homes in Baltic are 4% more expensive than Three Oaks

Calculate payment - Three Oaks Calculate payment - Baltic

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $6.4K

Per year

Monthly Difference

$531

More take-home

Effective Rate Diff

4.2%

Rate difference

Three Oaks, MI

Federal Income Tax

Effective: 18.9%

$25.5K

Michigan State Tax

Effective: 4.3%

$6.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 28.9%

$43.4K

Take-Home Pay

$8,884/month

$106.6K

Baltic, 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

Three Oaks, MI Tax Rates

Sales Tax:6.0%

Property Tax:1.4%

Baltic, 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.

Environment

Three Oaks

Baltic

54 Moderate

Air Quality

45 Good

35.8%

Good Air Days

63.7%

100 Very High

Climate Risk

96 High

🌊🌡🫨

Top Hazards

🌊🌡🌪

▲+3.2°F

2050 Outlook

▲+3.4°F

18 days

Heat Days >95°F

35 days

▲+3.2°F

2050 Outlook

▲+3.4°F

18 days

Heat Days >95°F

35 days

Before moving from Three Oaks, MI to Baltic, SD

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Baltic, SD for the same bedroom count and included utilities as your home in Three Oaks, MI. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Three Oaks to Baltic moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Baltic, SD by cost, housing, population and region.

Frequently Asked Questions: Three Oaks, MI vs Baltic, SD

How do the cost estimates for Three Oaks, MI and Baltic, SD compare?

Baltic, SD has a modeled overall cost index 26.8% lower than Three Oaks, MI. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Three Oaks, MI, the model estimates $126,198 in Baltic, SD. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Three Oaks, MI and Baltic, SD?

The modeled two-bedroom rents are $1,240/month in Three Oaks, MI and $1,200/month in Baltic, SD. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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

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