Oklahoma vs South Dakota Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$88,548
in Oklahoma
$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 | Oklahoma | South Dakota | Difference |
|---|---|---|---|
| Housing | 68.8 | 85.9 | -20% |
| Groceries | 95.4 | 97.7 | -2% |
| Utilities | 98.2 | 85.2 | +15% |
| Transportation | 88.8 | 93.6 | -5% |
| Healthcare | 97.1 | 106.5 | -9% |
| Dining & Misc | 87.6 | 93.4 | -6% |
| Overall | 84.7 | 91.8 | -8% |
Index values relative to national average (100). Positive difference = more expensive in Oklahoma.
What things actually cost
| Item | Oklahoma | South Dakota | Difference |
|---|---|---|---|
| Median home price | $190,000 | $285,000 | $95,000 |
| Average 2BR rent | $963/mo | $1,203/mo | $240 |
| Gas price | $3.01/gal | $3.10/gal | $0.09 |
| Electric bill | $81/mo | $96/mo | $16 |
| Infant childcare | $12,468/yr | $8,680/yr | +$3,788 |
Salary equivalent: Oklahoma → South Dakota
What a Oklahoma salary buys you in South Dakota, adjusted for cost of living.
| Salary in Oklahoma | Equivalent in South Dakota | Difference |
|---|---|---|
| $50,000 | $54,191 | $-4,191 |
| $75,000 | $81,287 | $-6,287 |
| $100,000 | $108,383 | $-8,383 |
| $150,000 | $162,574 | $-12,574 |
| $200,000 | $216,765 | $-16,765 |
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
South Dakota is 8% more expensive than Oklahoma overall. South Dakota has an index of 91.8 vs 84.7 for Oklahoma (national average = 100).
FAQ
Is it cheaper to live in Oklahoma or South Dakota?
Oklahoma is cheaper to live in. South Dakota is 8% more expensive overall. The biggest driver is housing — median home prices are $190,000 in Oklahoma vs $285,000 in South Dakota.
Is Oklahoma cheaper than South Dakota?
Yes, Oklahoma is 8% cheaper than South Dakota overall based on the MERIC/C2ER cost-of-living index. Housing, groceries, and utilities all factor into the difference.
Is South Dakota more expensive than Oklahoma?
Yes, South Dakota is 8% more expensive than Oklahoma 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 Oklahoma?
To maintain the same purchasing power as a $100,000 salary in Oklahoma, you would need approximately $108,383 in South Dakota. This is based on the overall cost-of-living index (84.7 vs 91.8).
How do housing costs compare between Oklahoma and South Dakota?
Housing is significantly cheaper in Oklahoma. Median home prices are $190,000 in Oklahoma vs $285,000 in South Dakota — a $95,000 difference. Average 2-bedroom rent is $963/mo vs $1,203/mo.
What costs more in Oklahoma vs South Dakota?
Housing is 20% lower in Oklahoma (index 68.8 vs 85.9). Utilities is 15% higher in Oklahoma (index 98.2 vs 85.2). Healthcare is 9% lower in Oklahoma (index 97.1 vs 106.5).
Is gas cheaper in Oklahoma or South Dakota?
Gas averages $3.01/gallon in Oklahoma and $3.10/gallon in South Dakota — a $0.09 difference per gallon.
Oklahoma vs South Dakota cost of living — how do they compare?
Oklahoma has an overall cost-of-living index of 84.7 and South Dakota has 91.8 (national average = 100). South Dakota is 8% more expensive overall. Use the calculator above to see how this affects your specific salary.
How do taxes compare between Oklahoma and South Dakota?
Cost of living is only part of the picture — state income taxes also affect your take-home pay. Oklahoma uses a progressive income tax with three brackets and a top rate of 4.50% for 2026 (reduced from 4.75% in 2025). Oklahoma has been gradually cutting its income tax rate — it was 5.0% as recently as 2022. Combined with low cost of living, Oklahoma offers strong purchasing power for mid-range salaries. South Dakota has no state income tax and no corporate income tax. Use the Oklahoma 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 Oklahoma and South Dakota?
Oklahoma 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
- Oklahoma Cost of Living — Housing, groceries, gas, and more
- South Dakota Cost of Living — Housing, groceries, gas, and more
- Oklahoma vs South Dakota Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in Oklahoma — How much house can you afford?
- House Affordability in South Dakota — How much house can you afford?
- Oklahoma Tax Brackets — See 2026 marginal rates
- South Dakota Tax Brackets — See 2026 marginal rates
- Oklahoma Mortgage Calculator — Estimate monthly payments with local rates
- South Dakota Mortgage Calculator — Estimate monthly payments with local rates
- Oklahoma 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.