Illinois vs South Dakota Paycheck Comparison 2026
Annual salary
Annual salary
Additional options (filing status, deductions)
$3,568 /yr more take-home in South Dakota
$297/mo · $137 a paycheck.
Illinois
South Dakota
$58,025/yr in Illinois vs $61,593/yr in South Dakota.
Illinois
Take-home per paycheck
$2,231.72
$58,025/yr · 26x/yr
Tax rates
South Dakota
Take-home per paycheck
$2,368.94
$61,593/yr · 26x/yr
Tax rates
What this paycheck affords in Illinois vs South Dakota
Sized off $4,835/mo take-home in Illinois and $5,133/mo in South Dakota. Every figure below is a spending rule of thumb, not a tax rule.
Purchasing power
$56,070 is what Illinois take-home is worth at South Dakota prices
Against $61,593 actually paid in South Dakota, leaving South Dakota $5,523/yr ahead once cost of living is taken off.
Rent
$23 /mo more for a two-bedroom in South Dakota
$1,180/mo in Illinois, $1,203/mo in South Dakota.
The average two-bedroom takes 24% of take-home in Illinois and 23% in South Dakota — inside the comfortable range in both.
Buying a home
$25,000 more for the median home in South Dakota
$260,000 in Illinois, $285,000 in South Dakota.
The median home is 1.1× what this salary supports in Illinois and 1.1× in South Dakota. Lenders size a mortgage off gross pay, so the budgets start from $75,000 at a 28% debt-to-income ratio, 6.75% over 30 years, each with its own state property tax rate.
What's left each month
$399 /mo more left over in South Dakota
Illinois has $1,218/mo spare; South Dakota has $1,617/mo spare.
Both paychecks cover the local average for everything. Splitting rent with one roommate would free up $590/mo in Illinois and $602/mo in South Dakota.
Monthly cost by expense class
Every class on one scale, so housing's share of the month stays visible. Housing is the measured average two-bedroom; the rest are BLS Consumer Expenditure Survey averages moved by each state's cost-of-living index.
Other costs
| Cost | Illinois | South Dakota |
|---|---|---|
| Regular gas | $3.60/gal | $3.10/gal |
| Electricity | $108/mo | $96/mo |
| Infant childcare | $1,342/mo | $723/mo |
Childcare sits outside the budget above because it applies to some households and not others — on its own it is 28% of take-home in Illinois and 14% in South Dakota.
Sources: MERIC/C2ER Cost of Living Index (2025), AAA Fuel Gauge Report (2025), EIA State Electricity Profiles (2024), Child Care Aware of America (2024), Zillow Home Value Index (2025), BEA Regional Price Parities (2024)
Estimate based on 2026 tax rates and standard deductions. Does not include local taxes, itemized deductions, tax credits, or other individual circumstances.
Tax system comparison
Illinois: Illinois has a flat state income tax of 4.95%. All taxable income is taxed at the same rate.
South Dakota: South Dakota has no state income tax. Residents pay only federal income tax, Social Security, and Medicare.
Take-home pay at different salaries (single filer, 2026)
| Salary | Illinois take-home | South Dakota take-home | Difference |
|---|---|---|---|
| $50,000 | $40,025 | $42,355 | -$2,330 |
| $75,000 | $58,025 | $61,593 | -$3,568 |
| $100,000 | $74,375 | $79,180 | -$4,805 |
| $150,000 | $106,511 | $113,791 | -$7,280 |
| $200,000 | $139,172 | $148,927 | -$9,755 |
| $300,000 | $200,472 | $215,177 | -$14,705 |
Positive values mean higher take-home in Illinois. Assumes single filer, no deductions.
FAQ
Which state has lower taxes, Illinois or South Dakota?
At a $100,000 salary, South Dakota results in $4,805 more annual take-home pay. Illinois has a flat state income tax of 4.95%. All taxable income is taxed at the same rate. South Dakota has no state income tax. Residents pay only federal income tax, Social Security, and Medicare.
How much more do you take home in South Dakota vs the other state?
The difference depends on salary. At $50,000, the gap is $2,330/yr. At $150,000, it grows to $7,280/yr. At $300,000, the difference is $14,705/yr.
Do Illinois and South Dakota have the same federal taxes?
Yes. Federal income tax, Social Security, and Medicare are the same in every state. Only state income tax differs. This calculator shows the combined effect of federal and state taxes on your take-home pay.
Is it cheaper to live in Illinois or South Dakota?
South Dakota is cheaper to live in. Cost of living in Illinois is 6% higher than in South Dakota. Illinois's Regional Price Parity is 97.1 and South Dakota's is 91.8 (US average = 100).
Is South Dakota cheaper than Illinois?
Yes. South Dakota has a lower cost of living than Illinois (index 91.8 vs 97.1). Housing is typically the biggest difference between the two states.
Is Illinois more expensive than South Dakota?
Yes. Illinois has a higher cost of living (index 97.1) compared to South Dakota (index 91.8). The national average is 100. Housing costs are typically the largest driver of the difference.
After cost of living, which state is actually cheaper?
At a $100,000 salary, take-home pay of $74,375 in Illinois has the purchasing power of $78,669 in South Dakota terms. Conversely, $79,180 in South Dakota equals $74,858 in Illinois terms. After adjusting for both taxes and cost of living, Illinois comes out ahead.
Illinois vs South Dakota cost of living — what's the difference?
The overall cost of living is 5% different between Illinois and South Dakota. Living costs are about 3% below the national average Living costs are 8% below the national average After taxes and cost of living, Illinois gives you more purchasing power on a $100,000 salary.
Do I need to file state tax returns in both Illinois and South Dakota?
Illinois 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. Each state has its own tax return form — check your state's department of revenue website for the correct form and e-filing options.
Related tools
- Illinois vs South Dakota Cost of Living — Compare housing, groceries, utilities, and overall expenses
- Illinois Cost of Living — Housing, groceries, gas, and overall index
- South Dakota Cost of Living — Housing, groceries, gas, and overall index
- How much house can you afford in Illinois?
- How much house can you afford in South Dakota?
- Illinois Tax Brackets — See 2026 marginal rates and effective tax rate
- South Dakota Tax Brackets — See 2026 marginal rates and effective tax rate
- Illinois Bonus Tax Calculator — See how bonuses are taxed differently
- South Dakota Bonus Tax Calculator — See how bonuses are taxed differently
- Pay Raise Calculator — See how a raise changes your take-home pay
- Gross-Up Calculator — Find the salary you need to hit a target take-home
- Salary to Hourly Converter — Convert annual salary to hourly rate
- Mortgage Calculator — Estimate monthly payments with local rates
Illinois Paycheck Estimator · South Dakota Paycheck Estimator · All states