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South Dakota

Cost of living in Harding County, SD

Estimated monthly cost
$2,498/mo
for a single person, all categories combined

Population 1,092 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $689 28%
Federal tax $505 20%
Healthcare $480 19%
Groceries $324 13%
Transport $250 10%
Energy $200 8%
Water $50 2%
State tax $0 0%

Rent in Harding County

Fair Market Rents by bedroom count.

Studio
$620
per month
1 bedroom
$689
per month
2 bedroom
$904
per month
3 bedroom
$1,175
per month
4 bedroom
$1,410
per month

Source: HUD FMR FY2025

Income and earnings in Harding County

Annual earnings figures from the Census ACS.

Household income
$74,766
per year
Individual earnings
$40,909
per year
Per capita
$48,974
per year

Source: ACS 2019-2023 5-Year.

Home values in Harding County

Average values reported by homeowners.

Average home value
$156,400
Annual property tax
$1,460

Source: ACS 2019-2023 5-Year

Energy costs in Harding County

Estimated monthly electricity and gas costs.

Electricity
$142
per month · 14.2¢/kWh
Natural gas
$58
per month
Annual total
$2,400
per year

Source: EIA

Healthcare in Harding County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
3.4%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Harding County

State and local tax rates for South Dakota.

No state income tax
South Dakota does not levy a personal income tax.
State sales tax
4.2%
Combined sales tax
6.1%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Harding County

Commute patterns and estimated costs.

Average commute
17.0 min
Drive alone
55.6%
Public transit
0.0%
Work from home
22.7%

Source: ACS

Monthly cost estimates for Harding County

What it costs to live in Harding County each month.

Single person
$2,498
per month
  • Rent $689
  • Energy $200
  • Water $50
  • Groceries $324
  • Transport $250
  • Healthcare $480
  • Federal tax $505
  • State tax $0
Couple
$3,849
per month
  • Rent $904
  • Energy $240
  • Water $60
  • Groceries $537
  • Transport $350
  • Healthcare $864
  • Federal tax $894
  • State tax $0
Family
$6,254
per month
  • Rent $1,175
  • Energy $300
  • Water $70
  • Groceries $815
  • Transport $450
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $894
  • State tax $0

Frequently asked questions about Harding County

Common questions about cost of living, rent and salary.

What is the average rent in Harding County?

In Harding County, SD, a one-bedroom apartment averages $689 per month, a two-bedroom averages $904 per month, a three-bedroom averages $1,175 per month, according to HUD Fair Market Rent data.

What is the average salary in Harding County?

In Harding County, SD, the average household income is $74,766 per year and individual earnings for full-time workers average $40,909 per year, according to U.S. Census Bureau data.

What is the cost of living in Harding County?

The estimated cost of living in Harding County, SD is approximately $2,498 per month for a single person, $3,849 for a couple, $6,254 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Harding County?

The combined sales tax rate in Harding County, SD is 6.10%, which includes the South Dakota state rate of 4.20% plus an average local rate of 1.90%.

Is Harding County an affordable place to live?

Based on the data, a single person in Harding County, SD would need approximately $2,498 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $74,766 per year ($6,231 per month). Harding County is relatively affordable compared to the national average.

How much does healthcare cost in Harding County?

The ACA marketplace benchmark premium in Harding County, SD is approximately $480 per month for an individual. Approximately 3.4% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Harding County?

The average home value in Harding County, SD is $156,400, with average annual property taxes of $1,460, according to U.S. Census Bureau data.

How does Harding County compare to other areas?

You can compare Harding County, SD with any other US county using our comparison tool at /compare. Harding County is in South Dakota.

Other counties in South Dakota

Browse the full list of counties in South Dakota, ranked by cost of living.

See all counties in South Dakota

Compare Harding County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources