Cost Of Living in Pine Ridge, SD

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17%

Overall NAT. AVG.

0%

Groceries NAT. AVG.

53%

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	Pine Ridge	South Dakota	National
Cost of living	83	92	100
Groceries	100	99	100
Health care	98	97	100
Housing	47	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 Pine Ridge is 9% lower than the South Dakota average
The cost of living in Pine Ridge is 17% lower than the national average
Pine Ridge housing is 53% 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	$76,861	$6,405	$1,793	$2,306
Renters	$50,404	$4,200	$1,176	$1,512

A good way to judge both the affordability of the housing and the cost of living in Pine Ridge is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Pine Ridge has a median income of about $76,861 for people who own homes. Based on that number, a maximum of $1,793 should be spent on expenses related to housing. Renters have a slightly different median income, which is $50,404. Based on this average, renters should spend no more than $1,176 on all rental costs if they want to maintain a non-impoverished standard of living.

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.
White Clay, NE	0	99	1.3%
Wounded Knee, SD	201	78	22.2%
Manderson-White Horse Creek, SD	413	84	15.8%
Oglala, SD	1,878	85	15.4%
Pine Ridge, SD	3,063	83	16.7%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Tangerine, FL	3,063	117	17.3%
Bal Harbour, FL	3,062	241	141.4%
New Britain, PA	3,064	121	21.3%
Nocona, TX	3,061	83	17.4%
Evansville, WY	3,061	100	0.4%
Pine Ridge, SD	3,063	83	16.7%