Cost of Living in Spearfish, SD
Overall index: 91 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 89 | -11% | $659 |
| Transportation | 98 | -2% | $3.50 |
| Food | 80 | -20% | $328 |
| Utilities | 95 | -5% | $160 |
| Healthcare | 95 | -5% | $116 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Spearfish?
A single adult living comfortably in Spearfish, SD needs approximately $31,850 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Spearfish, SD?
The overall cost of living in Spearfish, SD is 9% lower than the US national average (index: 91 where 100 = national average).
How much is rent in Spearfish, SD?
Average rent for a 1-bedroom apartment in Spearfish, SD is about $659/month.
Is Spearfish, SD expensive to live in?
Costs in Spearfish, SD are roughly in line with the national average.
What salary do I need to live in Spearfish, SD?
A single adult needs roughly $31,850/year to cover basic living costs in Spearfish, SD.