Minnesota vs South Dakota Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$80,128
in Minnesota
$81,699
in South Dakota
Each cell = 1% of purchasing power. Green = value, red = gap.
Spending breakdown
Estimated annual spending on a $75,000 salary
What things actually cost
Real dollar costs side by side
Category breakdown
| Category | Minnesota | South Dakota | Difference |
|---|---|---|---|
| Housing | 80.6 | 85.9 | -6% |
| Groceries | 100.6 | 97.7 | +3% |
| Utilities | 95.0 | 85.2 | +12% |
| Transportation | 96.2 | 93.6 | +3% |
| Healthcare | 102.4 | 106.5 | -4% |
| Dining & Misc | 99.8 | 93.4 | +7% |
| Overall | 93.6 | 91.8 | +2% |
Index values relative to national average (100). Positive difference = more expensive in Minnesota.
What things actually cost
| Item | Minnesota | South Dakota | Difference |
|---|---|---|---|
| Median home price | $330,000 | $285,000 | +$45,000 |
| Average 2BR rent | $1,128/mo | $1,203/mo | $75 |
| Gas price | $3.26/gal | $3.10/gal | +$0.16 |
| Electric bill | $109/mo | $96/mo | +$13 |
| Infant childcare | $22,569/yr | $8,680/yr | +$13,889 |
Salary equivalent: Minnesota → South Dakota
What a Minnesota salary buys you in South Dakota, adjusted for cost of living.
| Salary in Minnesota | Equivalent in South Dakota | Difference |
|---|---|---|
| $50,000 | $49,038 | +$962 |
| $75,000 | $73,558 | +$1,442 |
| $100,000 | $98,077 | +$1,923 |
| $150,000 | $147,115 | +$2,885 |
| $200,000 | $196,154 | +$3,846 |
Positive = your money goes further in South Dakota. Based on overall COL index ratio.
Based on MERIC/C2ER 2025 composite indices. Dollar amounts from AAA, EIA, Zillow, and Child Care Aware.
Overview
Minnesota is 2% more expensive than South Dakota overall. Minnesota has an index of 93.6 vs 91.8 for South Dakota (national average = 100).
FAQ
Is it cheaper to live in Minnesota or South Dakota?
South Dakota is cheaper to live in. Minnesota is 2% more expensive overall. The biggest driver is housing — median home prices are $330,000 in Minnesota vs $285,000 in South Dakota.
Is South Dakota cheaper than Minnesota?
Yes, South Dakota is 2% cheaper than Minnesota overall based on the MERIC/C2ER cost-of-living index. Housing, groceries, and utilities all factor into the difference.
Is Minnesota more expensive than South Dakota?
Yes, Minnesota is 2% more expensive than South Dakota based on the MERIC/C2ER composite index. Housing is typically the largest factor in the difference.
What salary in South Dakota equals $100,000 in Minnesota?
To maintain the same purchasing power as a $100,000 salary in Minnesota, you would need approximately $98,077 in South Dakota. This is based on the overall cost-of-living index (93.6 vs 91.8).
How do housing costs compare between Minnesota and South Dakota?
Housing is significantly cheaper in South Dakota. Median home prices are $330,000 in Minnesota vs $285,000 in South Dakota — a $45,000 difference. Average 2-bedroom rent is $1,128/mo vs $1,203/mo.
What costs more in Minnesota vs South Dakota?
Utilities is 12% higher in Minnesota (index 95 vs 85.2). Dining & Misc is 7% higher in Minnesota (index 99.8 vs 93.4). Housing is 6% lower in Minnesota (index 80.6 vs 85.9).
Is gas cheaper in Minnesota or South Dakota?
Gas averages $3.26/gallon in Minnesota and $3.10/gallon in South Dakota — a $0.16 difference per gallon.
Minnesota vs South Dakota cost of living — how do they compare?
Minnesota has an overall cost-of-living index of 93.6 and South Dakota has 91.8 (national average = 100). Minnesota is 2% more expensive overall. Use the calculator above to see how this affects your specific salary.
How do taxes compare between Minnesota and South Dakota?
Cost of living is only part of the picture — state income taxes also affect your take-home pay. Minnesota has a progressive income tax with 4 brackets, topping out at 9.85% on income over $193,240. South Dakota has no state income tax and no corporate income tax. Use the Minnesota vs South Dakota paycheck comparison to see how a specific salary compares after federal and state taxes, FICA, and deductions.
Do I need to file state tax returns in Minnesota and South Dakota?
Minnesota requires residents to file a state income tax return annually, typically due April 15. South Dakota has no state income tax, so residents do not file a state tax return. If you move between states mid-year, you typically file a part-year resident return in each state for the income earned while living there.
Where does this cost of living data come from?
Cost-of-living indices are from the MERIC/C2ER 2025 Annual Average. Dollar amounts use AAA gas prices (March 2025), EIA electricity rates (2024), Child Care Aware childcare costs (2024), Zillow home values (2024-2025), and BEA Regional Price Parities.
Related tools
- Minnesota Cost of Living — Housing, groceries, gas, and more
- South Dakota Cost of Living — Housing, groceries, gas, and more
- Minnesota vs South Dakota Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in Minnesota — How much house can you afford?
- House Affordability in South Dakota — How much house can you afford?
- Minnesota Tax Brackets — See 2026 marginal rates
- South Dakota Tax Brackets — See 2026 marginal rates
- Minnesota Mortgage Calculator — Estimate monthly payments with local rates
- South Dakota Mortgage Calculator — Estimate monthly payments with local rates
- Minnesota Bonus Tax Calculator — See how bonuses are taxed differently
- South Dakota Bonus Tax Calculator — See how bonuses are taxed differently
- Gross-Up Calculator — Find the salary you need to hit a target take-home
- Salary to Hourly Converter — Convert annual salary to hourly rate
- Compare any two states
Based on MERIC/C2ER 2025 composite indices and publicly available price data. Cost of living varies significantly by metro area within a state. These are statewide averages.