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Chicago · Registered nurse · $98,500 · One adult, renting a 1-bedroom
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Sioux Falls skyline
Maxpower2727. CC BY-SA 4.0. Photo source · License
Downtown Waterloo Iowa
Stephen Cummings. CC BY 2.0. Photo source · License

Sioux Falls vs Waterloo

$205/mo less in Waterloo

Alabama: $2,168 left in a typical monthArizona: $2,126 left in a typical monthArkansas: $2,400 left in a typical monthCalifornia: $1,645 left in a typical monthColorado: $2,458 left in a typical monthConnecticut: $2,294 left in a typical monthDelaware: $1,980 left in a typical monthDistrict of Columbia: $2,913 left in a typical monthFlorida: $2,204 left in a typical monthGeorgia: $1,988 left in a typical monthIdaho: $2,056 left in a typical monthIllinois: $2,569 left in a typical monthIndiana: $2,407 left in a typical monthIowa: $2,838 left in a typical monthKansas: $2,391 left in a typical monthKentucky: $2,312 left in a typical monthLouisiana: $2,486 left in a typical monthMaine: $1,949 left in a typical monthMaryland: $2,359 left in a typical monthMassachusetts: $2,076 left in a typical monthMichigan: $2,360 left in a typical monthMinnesota: $2,600 left in a typical monthMississippi: $2,011 left in a typical monthMissouri: $2,581 left in a typical monthMontana: $2,222 left in a typical monthNebraska: $2,541 left in a typical monthNevada: $2,296 left in a typical monthNew Hampshire: $2,794 left in a typical monthNew Jersey: $1,864 left in a typical monthNew Mexico: $2,037 left in a typical monthNew York: $2,320 left in a typical monthNorth Carolina: $2,194 left in a typical monthNorth Dakota: $3,238 left in a typical monthOhio: $2,583 left in a typical monthOklahoma: $2,455 left in a typical monthOregon: $1,624 left in a typical monthPennsylvania: $2,380 left in a typical monthRhode Island: $2,094 left in a typical monthSouth Carolina: $2,108 left in a typical monthSouth Dakota: $2,780 left in a typical monthTennessee: $2,530 left in a typical monthTexas: $2,620 left in a typical monthUtah: $1,822 left in a typical monthVermont: $2,118 left in a typical monthVirginia: $2,326 left in a typical monthWashington: $2,473 left in a typical monthWest Virginia: $2,277 left in a typical monthWisconsin: $2,642 left in a typical monthWyoming: $2,849 left in a typical month
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Sioux FallsWaterlooAbout 233 miles apart, close enough to drive.

  • Waterloo costs you more
  • Rent under 30% of pay
  • Real winters

Same paycheck, two cities. $2,754/mo in Waterloo. $2,959/mo in Sioux Falls. −$2,460 a year.

Sioux Falls

$2,959

left each month

Waterloo

$2,754

−$205 vs Sioux Falls

Compare

Same paycheck, another city.

Waterloo wins 2 of 4Sioux Falls 2 · ties 0
$5,799Take-home · Sioux Falls$5,311
$982Rent · Waterloo$788
$1,858Other bills · Waterloo$1,769
$2,959Left over · Sioux Falls$2,754

Next

−$205 / mo

Alabama: $2,168 left in a typical monthArizona: $2,126 left in a typical monthArkansas: $2,400 left in a typical monthCalifornia: $1,645 left in a typical monthColorado: $2,458 left in a typical monthConnecticut: $2,294 left in a typical monthDelaware: $1,980 left in a typical monthDistrict of Columbia: $2,913 left in a typical monthFlorida: $2,204 left in a typical monthGeorgia: $1,988 left in a typical monthIdaho: $2,056 left in a typical monthIllinois: $2,569 left in a typical monthIndiana: $2,407 left in a typical monthIowa: $2,838 left in a typical monthKansas: $2,391 left in a typical monthKentucky: $2,312 left in a typical monthLouisiana: $2,486 left in a typical monthMaine: $1,949 left in a typical monthMaryland: $2,359 left in a typical monthMassachusetts: $2,076 left in a typical monthMichigan: $2,360 left in a typical monthMinnesota: $2,600 left in a typical monthMississippi: $2,011 left in a typical monthMissouri: $2,581 left in a typical monthMontana: $2,222 left in a typical monthNebraska: $2,541 left in a typical monthNevada: $2,296 left in a typical monthNew Hampshire: $2,794 left in a typical monthNew Jersey: $1,864 left in a typical monthNew Mexico: $2,037 left in a typical monthNew York: $2,320 left in a typical monthNorth Carolina: $2,194 left in a typical monthNorth Dakota: $3,238 left in a typical monthOhio: $2,583 left in a typical monthOklahoma: $2,455 left in a typical monthOregon: $1,624 left in a typical monthPennsylvania: $2,380 left in a typical monthRhode Island: $2,094 left in a typical monthSouth Carolina: $2,108 left in a typical monthSouth Dakota: $2,780 left in a typical monthTennessee: $2,530 left in a typical monthTexas: $2,620 left in a typical monthUtah: $1,822 left in a typical monthVermont: $2,118 left in a typical monthVirginia: $2,326 left in a typical monthWashington: $2,473 left in a typical monthWest Virginia: $2,277 left in a typical monthWisconsin: $2,642 left in a typical monthWyoming: $2,849 left in a typical monthSioux FallsWaterloo
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Waterloo · this breakdownSioux Falls · home
See full breakdown
Monthly and annual budget comparison between Sioux Falls, SD and Waterloo, IA
Per monthSioux FallsWaterlooDifference
Gross pay$7,250$6,860−$390
Income and payroll tax$1,451$1,550+$99
Take-home pay$5,799$5,311−$489
Rent$982$788−$194
Getting around$539$510−$29
Groceries$364$347−$17
Healthcare$410$391−$19
Utilities$228$217−$11
Everything else$319$304−$15
Left over$2,959$2,754−$205

Salary to match Sioux Falls

$86,000

Gross pay in Waterloo that leaves the same amount as $87,000 in Sioux Falls.

Tax difference

−$2,573

A year, in state and local income tax. Effective rates: 20.0% in Sioux Falls, 22.6% in Waterloo.

More about Waterloo

Sioux Falls, SD in full

No income tax, an 18-minute commute, and nothing to do in February.

Waterloo, IA in full

A flat 3.8% state income tax, a median 2-bedroom asking rent of $938 and 204 sunny days; commutes average 17 minutes.

The other way

Start in Waterloo.

Waterloo → Sioux Falls →

Questions

Is the cost of living lower in Waterloo than Sioux Falls?

For one adult in a one-bedroom, Waterloo leaves about $205 less a month. A one-bedroom is about $982 in Sioux Falls and $788 in Waterloo.

Does Waterloo have state income tax?

Waterloo is in Iowa, which taxes wage income.

What changes if you move from Sioux Falls to Waterloo?

The paycheck is taxed in Iowa. Rent stays at the same bedroom count. What you keep is the difference.

Left over each month is take-home pay minus rent and the rest of the bills. The gap between Sioux Falls and Waterloo changes with the job, remote or local pay, and bedrooms. How we figure this · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.

Estimate, not a quote. How we figure this.