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Retire in South Dakota: 2026 Tax & Cost of Living Guide

No state income tax, no Social Security or pension tax, no estate or inheritance tax. Property tax is moderate.

State income tax

None

Social Security

Not taxed

Estate tax

None

Property tax

1.17%

How South Dakota Taxes Retirement Income

Social Security
Not taxed
Public pensions (state/federal)
Not taxed
Private pensions
Not taxed
401(k) / IRA withdrawals
Not taxed

Exemption / exclusion

Data not yet verified for this state. Consult a state tax professional.

We don't have detailed cost-of-living data for a city in South Dakota yet. See our city guides for 300+ other cities worldwide, or compare South Dakota against other US states below.

Compare Against Other States

All 50 US States + DC

Ranked by tax-friendliness for retirees. Grouped by income-tax type.

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Retirement Methodology Calculators

How much do the big names actually say you need? See each guru's assumed return and withdrawal rate, side by side with academic defaults.

Dave Ramsey

12% / 8%

Bill Bengen

4% rule

Bogleheads

7% / 4%

FIRE Calculator

See how much you need to retire — in South Dakota or anywhere else.

Safe Withdrawal Rate

Model your retirement paycheck with real historical data.

Tax rates and programs are subject to change. Data is current for 2024–2025. Always consult a qualified tax professional before making relocation decisions.