Fargo vs Rapid City leftover
Moving to Rapid City costs you $621 a month
$2,569/mo leftover in Rapid City vs $3,190 in Fargo after tax and rent ($621 less). −$7,452 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Fargo leftover
$3,190
a month after tax and rent
Rapid City leftover
$2,569
−$621 vs Fargo
Compare Fargo to another metro
Same paycheck. Try a different city next to Fargo.
Monthly gap
Fargo → Rapid City
$621
less / month in Fargo
$2,569 in Rapid City · $3,190 in Fargo · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
−$621 / mo
| Per month | Fargo | Rapid City | Difference |
|---|---|---|---|
| Gross pay | $7,375 | $6,814 | −$561 |
| Income and payroll tax | $1,529 | $1,322 | −$208 |
| Take-home pay | $5,846 | $5,493 | −$353 |
| Rent | $885 | $1,138 | +$253 |
| Getting around | $505 | $515 | +$10 |
| Groceries | $349 | $351 | +$2 |
| Healthcare | $393 | $395 | +$2 |
| Utilities | $218 | $219 | +$1 |
| Everything else | $306 | $307 | +$1 |
| Left over | $3,190 | $2,569 | −$621 |
To break even in Rapid City, you'd need to earn
$92,500
Household gross, versus $88,500 today. That's the salary that leaves you exactly as much at the end of the month as Fargo does now.
The tax difference alone
+$496
A year, in state and local income tax. South Dakota has no wage income tax.
More about Rapid City
Fargo, ND in full
State income tax topping out at 2.5%, a median 2-bedroom asking rent of $1,054 and 193 sunny days; commutes average 18 minutes.
Rapid City, SD in full
No state income tax, a median 2-bedroom asking rent of $1,355 and 237 sunny days; commutes average 20 minutes.
The reverse move
Same two cities, but starting from Rapid City on Rapid City wages.
Rapid City → Fargo →Questions
Is the cost of living lower in Rapid City than Fargo?
A one-bedroom is about $885 in Fargo versus $1,138 in Rapid City. On a one-adult, one-bedroom household, leftover is about $621 a month lower in Rapid City. Change the job or household on the comparison to see your number.
Does Rapid City have state income tax?
Rapid City is in South Dakota, which has no state income tax.
What changes if you move from Fargo to Rapid City?
Take-home pay is recalculated under South Dakota tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between Fargo and Rapid City moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.