Rapid City
Rent: $1,369. Salary needed: $54,000.
SD city profile
Spearfish Cost of Living
Spearfish is a supplemental starter city profile for the Black Hills housing and lifestyle market in South Dakota, useful for route coverage and starter comparisons around rent, housing, utilities, wages, benefits, insurance, and moving costs.
Median rent$1,350
Home price$456,917
Salary needed$43,862
Move score84/100
Decision Brief
What Spearfish Means for a Monthly Budget
Start here before diving into source readiness: this translates the starter numbers into the first budget questions a mover would ask.
Housing floor
Rent plus utilities
$1,544/moStarter monthly baseline before insurance, transportation, childcare, debt, healthcare, and deposits.
Income fit
Rent share
37%Rent as a share of the monthly income target of $3,655.
Best next check
Run the comparison
84/100One of the stronger starter relocation signals in this state set.
| Budget item | Starter value | How to use it |
|---|---|---|
| Rent benchmark | $1,350/mo | Use this as the first housing filter before deposits, parking, pet rent, and insurance. |
| Rent plus utilities | $1,544/mo | A starter housing floor for comparing monthly pressure across nearby cities. |
| Monthly income target | $3,655/mo | Derived from the annual salary-needed estimate; verify taxes and household size later. |
| Home price signal | $456,917 | Useful for buy-versus-rent screening before taxes, insurance, HOA, and mortgage rates. |
| Groceries index | 100 | Directional grocery pressure benchmark until source-backed local rows are added. |
Metric Readiness
Spearfish Cost Data Checklist
2 of 6 metrics have source-backed rows.
| Metric | Current Value | Review Status | Source |
|---|---|---|---|
| Median rent | $1,350 | Source-backed | Zillow Observed Rent Index city all-homes rent, Apr 30, 2026 |
| Home price | $456,917 | Source-backed | Zillow Home Value Index city all-homes mid-tier value, Apr 30, 2026 |
| Utilities | $194/mo | Starter estimate | Needs metric-level source row |
| Groceries index | 100 | Starter estimate | Needs metric-level source row |
| Salary needed | $43,862 | Starter estimate | Needs metric-level source row |
| Move score | 84/100 | Starter estimate | Needs metric-level source row |
City Snapshot
Spearfish Budget Signals
Starter comparisons against the current South Dakota city set.
Higher-rent market
Rent Position
$1,350$238 above the state starter average.
Lower salary target
Salary Fit
$43,862$2,699 below the state starter average.
Monthly pressure
Utilities
$194Starter monthly utility benchmark before provider and home-efficiency checks.
Move score
Relocation Signal
84/100One of the stronger starter relocation signals in this state set.
Budget Read
Salary Needed Estimate
A starter household income estimate for comparing cities is $43,862. The next data pass should split this by household size, tax profile, debt payments, and renter versus homeowner scenarios.
Median rent$1,350
Home price$456,917
Utilities$194/mo
Groceries100
Salary needed$43,862
Move score84/100
Data note
The metric readiness table marks which numbers are backed by metric-level source rows and which remain starter estimates. Replace starter estimates with sourced rows before publishing advice pages at scale.
Move Readiness
Before Moving to Spearfish
Treat this as a short pre-move screen. It turns the starter profile into a practical checklist for budget, support, and bill-risk research.
Budget
Confirm the full monthly stack
Start with $1,350 rent and $194 utilities, then add insurance, transportation, healthcare, childcare, debt, and deposits.
Comparison
Test cheaper nearby options
Spearfish is $238 above the South Dakota starter rent average, so compare at least two other city pages before choosing a lease.
Benefits
Check local support before a crisis
Open the Spearfish benefits page for food, healthcare, rent, utility, and local intake pathways.
Bills
Price the recurring bill risks
Quote insurance, mobile, internet, utilities, and debt payments early so the rent number does not hide the real monthly pressure.
Compare Nearby
Spearfish Versus Other South Dakota Markets
Use these starter comparisons to decide which city page or calculator to open next.
Next Actions
Plan Around Spearfish
Move from the city profile into practical tools and local support paths.