Moving from South Dakota to Montana
Moving to Montana on the same salary cuts your real buying power by 10.7%; you'd need about $85,900 to break even. Change the salary below to see your own numbers.
The salary comparison above is for W-2 earnings. Your retirement income and budget results appear in the calculator below.
State-median gross rent (2024 ACS): $999/month in South Dakota and $1,177/month in Montana. These are state benchmarks, not current rental quotes or your own housing costs. Compare your salary offer, housing and moving-cost recovery using the personal-budget option in the calculator.
Equal salary in MT: $85,900
To keep the same lifestyle, you need about $85,900 in Montana to match $75,000 in South Dakota ($10,900 more), after 2026 taxes and local prices.
Single filer, W-2 salary, standard deduction.
The renter figure uses ACS gross rent, which includes tenant-paid electricity, gas, water/sewer and fuels. The buyer figure adds electricity separately to mortgage, property tax and insurance. Food, transport, healthcare, other spending and one-time moving costs are excluded. These are selected-cost changes, not total savings. State medians may differ from your neighborhood and current quotes.
| Tax on $75,000 | South Dakota | Montana |
|---|---|---|
| Federal income tax | $7,670 | $7,670 |
| Social Security + Medicare | $5,738 | $5,738 |
| State income tax | $0 | $2,877 |
| State payroll programs (UI, disability, paid leave, transit) | $0 | $0 |
| Take-home pay | $61,593 | $58,716 |
Key facts: South Dakota to Montana
- Median rent
- $999 → $1,177/mo
- Median home value
- $289,600 → $425,400
- Price level (U.S. = 100)
- 88.6 → 94.6
- Road distance
- ≈ 740 miles
- Natural hazard risk (FEMA)
- Midrange county-score mean → High county-score mean
What changes when you move to Montana
- South Dakota has no state income tax on wages; Montana does. At $75,000 expect about $2,877 a year in Montana income tax.
- BEA's housing rents price index is 25% higher in Montana. Median rent goes from $999 to $1,177 a month and the median home value from $289,600 to $425,400.
- The average home electric bill is $111 a month in Montana vs $131 in South Dakota (EIA 2025), about $244 a year less.
Who moves from South Dakota to Montana
In the latest IRS migration data (2022–2023), 254 households (379 people) filed their taxes in Montana after filing in South Dakota the year before. That makes Montana the #18 destination for people leaving South Dakota. These households reported an average adjusted gross income of $65,406. Going the other way, 294 households moved from Montana to South Dakota, a net loss of 40 households for Montana.
Five-year trend
Moves from South Dakota to Montana peaked in 2019–20 at 297 households, then fell 14% by 2022–23. That is still down 2% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from South Dakota to Montana
Moving cost: $600–$8,330
Moving about 740 miles from South Dakota to Montana costs roughly $600 – $8,330, depending on how much of the work you hire out.
Distance between the states' population centers by road (estimate).
| Moving method | Typical range |
|---|---|
| Rental truck (DIY) Truck rental, taxes and fees. Add fuel, damage coverage, lodging and your time. | $600 – $2,230 |
| Moving container You pack and load; the company drives the container. | $1,410 – $3,230 |
| Full-service movers Loading, transport and unloading. Packing, storage and other extra services may cost more; confirm the written estimate. | $2,300 – $8,330 |
These ranges are based on summer (peak-season) quotes. A move between October and April usually costs less: peak prices run 20–30% higher.
A rental truck also burns about 74 gallons of fuel over this distance. One-way truck rental prices depend on direction: a truck headed where many people are moving often costs more than the same trip in reverse.
Ranges combine 198 published quote ranges on 22 interstate routes (moveBuddha, retrieved 2026-09-24) with 47 independent published prices from U-Pack, HireAHelper and Move.org, which raised the top of several ranges. They are not quotes; get at least three written estimates.
Alaska and Hawaii ranges come from published carrier rates and moving quotes, dated in each row (Matson's household-goods rates, U-Pack, Royal Hawaiian Movers). See how we estimate.
Shipping a car from South Dakota to Montana
Car shipping: $780–$1,170
Shipping a sedan from South Dakota to Montana on an open carrier costs about $780–$1,170, typically 3–7 days in transit over about 740 miles.
Modeled from 32 published 2026 route prices (SGT Auto Transport 'Ship a Car to Another State' sample routes, SGT Auto Transport cost calculator sample routes) plus published mainland-to-Hawaii and mainland-to-Alaska prices. Reverse ocean routes reuse those inbound prices as a proxy, not a separately sourced price for that direction. The 25% SUV and 35% enclosed-carrier uplifts are model assumptions; ocean carrier packages and vehicle charges can differ. Not a quote.
South Dakota vs Montana take-home pay at every salary
| Salary | Equal salary in MT | Take-home change | Take-home in SD | Take-home in MT |
|---|---|---|---|---|
| $50,000 | $55,900 | -$1,593 | $42,355 | $40,762 |
| $75,000 | $85,900 | -$2,877 | $61,593 | $58,716 |
| $100,000 | $114,900 | -$4,289 | $79,180 | $74,891 |
| $150,000 | $173,600 | -$7,114 | $113,791 | $106,677 |
| $250,000 | $293,000 | -$12,764 | $183,182 | $170,418 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
At higher incomes, especially for homeowners, itemizing state and local taxes (deductible up to $40,400 in 2026) can lower your federal tax once you live in Montana, which narrows the gap shown.
Cost of living: South Dakota vs Montana
| Measure | South Dakota | Montana |
|---|---|---|
| Overall price level (U.S. = 100) | 88.6 | 94.6 |
| Housing rents price index | 67.6 | 84.6 |
| Utilities price index | 79.7 | 72.3 |
| Goods price index | 95.5 | 96.0 |
| Median rent (monthly) | $999 | $1,177 |
| Median home value | $289,600 | $425,400 |
| Median property tax (yearly) | $2,940 | $2,939 |
| Electricity (residential) | 15.36¢/kWh | 15.14¢/kWh |
| State sales tax rate | 4.2% | 0% |
| Median household income | $76,881 | $75,340 |
Renting and buying: South Dakota vs Montana
| Measure | South Dakota | Montana |
|---|---|---|
| Income to rent the median home (30% rule) | $39,960 | $47,080 |
| Monthly cost to own the median home (20% down) | $1,970 | $2,699 |
| Income needed to buy the median home | $84,417 | $115,669 |
| Homeowners insurance (yearly median, homes with a mortgage) | $1,750 | $1,617 |
| Infant child care (center, yearly) | $8,859 | $15,476 |
Mortgage at the Freddie Mac 30-year average with 20% down, plus the median property tax and the median homeowners insurance that owners with a mortgage paid in 2024 (Census ACS). Premiums have risen in most states since then, so get quotes. See buying a home in Montana for other down payments.
Your yearly budget: South Dakota vs Montana
On a $75,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $36,211 a year in South Dakota and $41,782 in Montana if you rent: $5,571 more after the move. If you buy the median home, those selected costs use mortgage, property tax, homeowners insurance and electricity instead of gross rent; they come to $49,433 and $61,375 ($11,942 more).
Your yearly budget, before vs after
| Yearly cost | SD | MT | Change |
|---|---|---|---|
| Income and payroll taxes on $75,000, single filer | $13,408 | $16,284 | +$2,876 |
| Car insurance one car, state average | $937 | $975 | +$38 |
| Gas 12,000 miles at 25 mpg | $2,018 | $2,095 | +$77 |
| Health insurance one adult, age 40, own plan before subsidies | $7,860 | $8,304 | +$444 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $11,988 | $14,124 | +$2,136 |
| Total if you rent | $36,211 | $41,782 | +$5,571 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $18,947 | $27,831 | +$8,884 |
| Property tax median home | $2,940 | $2,939 | -$1 |
| Homeowners insurance state median, with a mortgage | $1,750 | $1,617 | -$133 |
| Electricity state average bill | $1,573 | $1,330 | -$243 |
| Total if you buy | $49,433 | $61,375 | +$11,942 |
Taxes: 2026 federal and state rules, standard deduction. Rent, home value and property tax: Census ACS 2024 state medians. Gross rent includes tenant-paid electricity, gas, water/sewer and fuels; those basic utilities are not added again. Mortgage: Freddie Mac 30-year average (7.24%, week of October 29, 2026).
State figures: EIA 2025 average residential power bill (buyers only), NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on October 29, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $8,859 a year in South Dakota and $15,476 in Montana (Child Care Aware of America, 2025 (2024 fallback for Colorado, Washington, DC and South Carolina) state averages).
Cost of living in Montana cities: Billings.
After you arrive in Montana
- Montana new resident checklist: driver license and vehicle registration deadlines.
- Taxes the year you move: part-year returns in South Dakota and Montana.
- How Montana taxes retirement income.
- Live in Montana but keep working in South Dakota? See who taxes your wages.
Frequently asked questions
How much salary do I need in Montana to live like I do in South Dakota?
A $75,000 salary in South Dakota works out to about $85,900 in Montana once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $114,900.
Will I pay less tax in Montana than in South Dakota?
No, about $2,877 more a year in income and payroll taxes on a $75,000 salary (17.9% of pay in South Dakota vs 21.7% in Montana). Property and sales taxes are shown separately.
How much does it cost to move from South Dakota to Montana?
For a 2–3 bedroom home over about 740 miles, expect roughly $600–$2,230 with a rental truck, $1,410–$3,230 with a moving container, or $2,300–$8,330 with full-service movers.
Are more people moving from South Dakota to Montana?
Moves from South Dakota to Montana peaked in 2019–20 at 297 households, then fell 14% by 2022–23. That is still down 2% from 2018–19.
How many people move from South Dakota to Montana?
IRS migration data for 2022–2023 show 254 households (379 people) moved from South Dakota to Montana, making Montana the #18 destination for people leaving South Dakota. 294 households moved the other way.
Is Montana cheaper than South Dakota?
Overall prices in Montana are 6.8% higher than South Dakota (BEA Regional Price Parities 2024). Median rent is $1,177 vs $999 a month.
Compare other moves
Where people from South Dakota actually move
- SD to Minnesota 1,855 households
- SD to Iowa 977 households
- SD to Texas 926 households
- SD to Nebraska 907 households
- SD to Arizona 901 households
- SD to Colorado 716 households
- SD to Florida 702 households
- SD to North Dakota 656 households
State-agency links identify the responsible tax office; they do not verify every modeled rule. Use forms and guidance for the year you are filing.