Salary Needed to Live in Sioux Falls as a Single
A single adult living independently needs approximately $50,081/year to live comfortably in Sioux Falls, SD, including 10% savings.
Direct Answer
A single person needs about $50,081/year to live comfortably in Sioux Falls, SD. The bare-minimum salary is $43,314/year, but the comfortable figure includes a 10% savings target and a monthly after-tax budget of $3,014.
The minimum scenario leaves about $2,671/mo after tax and no planned savings. The comfortable scenario uses $4,173/mo gross pay to cover expenses, taxes, and a savings buffer.
Hybrid salary estimateBLS, HUD, ACS inputsLast verified May 2026
Comfortable Salary
$50,081
with 10% savings
Bare Minimum
$43,314
$3,610/mo gross, no savings buffer
Monthly Expenses
$2,671
24% below national avg
Detailed Monthly Budget for a Single in Sioux Falls
| Expense | Sioux Falls | Nat'l Avg | Diff |
|---|---|---|---|
| Studio/1BR Rent | $725 | $1,351 | -46% |
| Groceries | $208 | $207 | 0% |
| Utilities | $151 | $169 | -11% |
| Transportation | $284 | $316 | -10% |
| Car Insurance | $176 | $211 | -17% |
| Health Insurance | $534 | $630 | -15% |
| Internet | $60 | $65 | -8% |
| Phone | $78 | $85 | -8% |
| Dining & Social | $276 | $300 | -8% |
| Entertainment | $110 | $120 | -8% |
| Personal Care | $69 | $75 | -8% |
| Total Monthly | $2,671 | $3,529 | -24% |
How We Calculated the Salary
Monthly expenses:$2,671
Target savings (10%):$343/mo
Monthly after-tax needed:$3,014
Effective tax rate:26%
Gross annual salary needed:$50,081
What Drives the Salary Number?
Housing
$725
Studio/1BR rent is 27% of this monthly budget.
Taxes
26%
Estimated federal plus SD state tax reserve used to convert take-home needs into gross salary.
Savings target
10%
$343/mo is reserved for savings so the salary is not just break-even.
Local index
92/100
Sioux Falls is below the national baseline; the model adjusts baseline spending by local rent and cost data.
Compare Salary Needed in Nearby midwest Cities
Salary Planning Checklist
- Keep studio/1br housing near $725/mo or adjust the salary target upward.
- Budget $593/mo for persona-specific costs such as Internet and Phone.
- Use $43,314/year as the survival floor and $50,081/year as the healthier negotiation target.
Other Household Types in Sioux Falls
Related Pages
FAQ
What salary does a single person need in Sioux Falls?
A single person needs approximately $50,081/year ($4,173/month gross) to live comfortably in Sioux Falls with a 10% savings rate.
How much is rent for a single person in Sioux Falls?
A studio/1br in Sioux Falls costs approximately $725/month, which is the largest single expense at 27% of the total budget.
Is Sioux Falls affordable for a single person?
Yes, Sioux Falls is 24% more affordable than the national average for a single person.