WhereCanIAfford › FIRE by town › Sioux Falls, SD

FIRE number for Sioux Falls, SD

$1,128,075 retires you early in Sioux Falls, SD — that's $45,123/yr to live × 25. At your $600,000 saved + $30,000/yr you reach it coast-fire.

The math (shown)

$342,936 home × 5%/yr owner-equivalent housing cost = $17,147/yr
housing ÷ 38% (housing is ~38% of a typical U.S. budget, BLS CEX) = $45,123/yr to live here
$45,123/yr spend ÷ 4% safe-withdrawal rule = $1,128,075 portfolio needed (the 25× rule)
$600,000 now + $30,000/yr at 5% real return reaches $1,128,075 in 8 years.
Coast-FIRE: $600,000 alone compounding 5% for 30 yrs = $2,593,165 by 65 — clears the $1,128,075 needed.

against Zillow ZHVI 2026-05 (Zillow ZHVI (typical home value, smoothed, all-homes 33–67pct tier)). FIRE math = the 4% rule (×25). Cost of living derived from home value — a planning estimate, not a household budget.

Run your own numbers for Sioux Falls, SD

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FAQ

How much do I need to FIRE in Sioux Falls, SD?
About $1,128,075 ($45,123/yr × 25).
What's the cost of living based on?
Sioux Falls, SD's typical home value ($342,936, Zillow ZHVI 2026-05) → owner-equivalent + non-housing budget.
Is the 4% rule safe?
It's the Trinity-study baseline; many FIRE planners use 3.5%–4%. Lower withdrawal = bigger number.

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