Charlotte, NC vs Sioux Falls, SD
Moving from Charlotte to Sioux Falls? Here's what changes — from your equivalent salary to housing ($390,321 → $342,936 median home) and taxes.
Charlotte vs Sioux Falls at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Charlotte, NC, you'd need about $92,569 in Sioux Falls, SD (−$7,431).
Livability — Charlotte, NC: 66 · Sioux Falls, SD: 69 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,561 sqft in Charlotte vs 2,479 sqft in Sioux Falls ($195 vs $202 per sqft).
Annual cost breakdown (at $100,000)
| Category | Charlotte, NC | Sioux Falls, SD | Difference |
|---|---|---|---|
| Housing | $20,880 | $15,708 | −$5,172 |
| Groceries | $4,834 | $4,870 | +$36 |
| Transportation | $3,130 | $3,200 | +$70 |
| Utilities | $1,752 | $1,572 | −$180 |
| Insurance | $2,000 | $2,400 | +$400 |
| Taxes | $8,740 | $5,263 | −$3,477 |
| Total | $41,336 | $33,013 | −$8,323 |
Side by side
| Metric | Charlotte, NC | Sioux Falls, SD |
|---|---|---|
| Cost-of-living index | 97.3 | 90.1 |
| Unemployment rate | 4.71% | 2.15% |
| Population growth (5-yr) | 10.0% | 10.9% |
| Air quality (median AQI) | 53 | 34 |
| Big Mac price (est.) | $5.54 | $5.13 |
| Median home price | $390,321 | $342,936 |
| Home price ÷ income | 5.1× | 4.4× |
| 1-yr home appreciation | -0.4% | 1.5% |
| Price per square foot | $195 | $202 |
| Median rent | $1,740 | $1,309 |
| Total tax burden (% income) | 9.9% | 8.4% |
| Combined sales tax | 6.98% | 6.40% |
| Capital gains tax | 4.25% | None |
| Property tax rate | 0.72% | 1.18% |
| Healthcare (annual) | $6,600 | $6,800 |
| Childcare (annual, infant) | $10,000 | $8,000 |
| Vehicle property tax | 1.10% | None |
| Avg commute (min) | 27 | 19 |
| Home insurance / yr | $2,000 | $2,400 |
| Auto insurance / yr | $1,400 | $1,500 |
| Flood insurance / yr | $800 | $600 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 16.3 | 14.5 |
| Gas $/gal | 3.20 | 3.20 |
| Violent crime /100k | 400 | 400 |
| Avg summer high °F | 89 | 86 |
| Avg winter low °F | 30 | 10 |
| Permit difficulty (1–5) | 3 | 2 |