Cost Of Living in Central City, SD

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13%

Overall NAT. AVG.

0%

Groceries NAT. AVG.

39%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Central City	South Dakota	National
Cost of living	87	92	100
Groceries	100	99	100
Health care	98	97	100
Housing	61	77	100
Transportation	98	96	100
Utilities	102	103	100
Lifestyle & Entertainment	96	94	100
Household Items	97	96	100
Education & Childcare	98	98	100

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Cost Of Living Quick Facts

The cost of living in Central City is 4% lower than the South Dakota average
The cost of living in Central City is 13% lower than the national average
Central City housing is 39% lower than the national average
South Dakota general sales tax is 12% lower than the national average
South Dakota state income tax is 100% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$58,929	$4,911	$1,375	$1,768
Renters	$0	$0	$0	$0

South Dakota Sales Tax

State	General Sales Tax	With Max Surtax
South Dakota	4.5%	6%

South Dakota Income Tax

State	Income Tax (Low)	Income Tax (High)
South Dakota	0%	0%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
St. Onge, SD	26	99	1.3%
Whitewood, SD	1,014	90	10.3%
Sturgis, SD	7,137	94	6.4%
Deadwood, SD	1,630	94	6.3%
Lead, SD	3,089	95	5.5%
Central City, SD	163	87	12.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Deepstep, GA	163	89	11.2%
Bentley, IA	163	96	3.6%
Calumet, IA	163	80	20.0%
Shambaugh, IA	163	84	15.7%
De Smet, ID	163	93	6.6%
Central City, SD	163	87	12.6%