Ohio vs South Dakota:
Take-Home Pay Comparison
Side-by-side tax comparison between Ohio (2.75% top rate, flat) and South Dakota (no income tax). See which state lets you keep more at every salary level, and how cost of living changes the picture.
Tax Structure: Ohio vs South Dakota
South Dakota has no state income tax, while Ohio uses a flat system with rates of 2.75% flat + local. On a $100K salary, this creates a state tax difference of $2,750/year that South Dakota residents simply don’t pay.
Ohio’s flat 2.75% rate means the gap scales linearly with income. At $200K, you’d save $5,500 by being in South Dakota instead.
Take-Home at Every Salary Level
South Dakota wins at 10 out of 10 salary levels tested. The advantage is consistent and significant across the income spectrum.
| Salary | Ohio | South Dakota | Difference | Winner |
|---|---|---|---|---|
| $40K | $33,220 | $34,320 | +$1,100 | South Dakota |
| $50K | $40,980 | $42,355 | +$1,375 | South Dakota |
| $60K | $48,740 | $50,390 | +$1,650 | South Dakota |
| $75K | $59,475 | $61,538 | +$2,063 | South Dakota |
| $100K | $76,375 | $79,125 | +$2,750 | South Dakota |
| $120K | $89,895 | $93,195 | +$3,300 | South Dakota |
| $150K | $109,626 | $113,751 | +$4,125 | South Dakota |
| $200K | $143,387 | $148,887 | +$5,500 | South Dakota |
| $250K | $176,389 | $183,264 | +$6,875 | South Dakota |
| $300K | $207,079 | $215,329 | +$8,250 | South Dakota |
Cost of Living: Ohio (90) vs South Dakota (92)
Take-home pay only tells part of the story. Ohio has a cost of living index of 90 while South Dakota is at 92 (national average = 100).
With similar costs of living (90 vs 92), the tax difference is the primary factor. What you see in raw take-home pay is essentially what you get in purchasing power: $84,861 in Ohio vs $86,005 in South Dakota.
Married Filing Jointly: How It Changes the Comparison
For a single earner at $100K filing jointly, take-home becomes $81,960 in Ohio and $84,710 in South Dakota \u2014 a difference of $2,750. The gap remains similar regardless of filing status.
Should You Move from Ohio to South Dakota?
On paper, moving from Ohio to South Dakota would save $2,750/year on a $100K salary, or $13,750 over 5 years. But relocation involves real costs: moving expenses, potentially buying/selling a home, changing jobs, and adjusting to a new community.
The $2,750/year savings is meaningful but probably not enough to justify a move on its own. However, combined with other factors like career growth, lifestyle preferences, or family proximity, it could tip the scale.