Nampa vs Sioux Falls
Cost of Living Comparison · 2026
Nampa
Sioux Falls
The Verdict
Sioux Falls is 12.9% less expensive than Nampa overall. A household earning $75,000 in Nampa would need approximately $66,429 in Sioux Falls to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Nampa has the same purchasing power as $66,429 in Sioux Falls.
Conversely, $75,000 in Sioux Falls equals $84,677 in Nampa.
Living in Nampa vs Sioux Falls
Housing Costs
Nampa's housing index of 104 is higher Sioux Falls's 80, translating to median home prices of $371,000 vs $265,000. The $106,000 difference in home prices means roughly $6,888 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,500/mo in Nampa compared to $1,100/mo in Sioux Falls, a monthly difference of $400.
Grocery & Food Costs
Grocery expenses index at 105 in Nampa and 97 in Sioux Falls. A household spending the national average of $475/month on groceries would pay approximately $499/month in Nampa vs $461/month in Sioux Falls. Sioux Falls offers a meaningful advantage on everyday food costs, saving roughly $456/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 83 in Nampa and 94 in Sioux Falls. Monthly utility bills average approximately $332 in Nampa vs $376 in Sioux Falls. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 102 in Nampa and 101 in Sioux Falls. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $74,300 in Nampa and $61,714 in Sioux Falls. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $70,762 and $66,359 respectively. Nampa residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,734/month to housing in Nampa vs $1,440/month in Sioux Falls. In Nampa, median rent of $1,500/mo fits within this budget. In Sioux Falls, median rent of $1,100/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 24 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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