Fort Collins vs Sioux Falls for Remote Workers (2026)
Comparing cost of living, state income taxes, internet costs, and quality of life for remote workers considering Fort Collins, CO vs Sioux Falls, SD.
- Sioux Falls has no state income tax — remote workers keep more take-home pay
- Sioux Falls is 11 COL index points cheaper — roughly 11% lower overall costs
- Lower internet bill in Sioux Falls: $60/mo vs $65/mo
- More walkable without a commute: Fort Collins (walk score 36 vs 26)
Remote work metrics
| Metric | Fort Collins Colorado | Sioux Falls South Dakota |
|---|---|---|
| Overall COL index (100 = US avg) | 99 | 88Better |
| State income tax | 4.4% | None (0%)Better |
| 1BR rent / month | $1,700 | $1,250Better |
| Internet / month | $65 | $60Better |
| Walk score (0–100) | 36 / 100Better | 26 / 100 |
| Monthly utilities | $140Better | $155 |
| Sales tax (combined) | 7.5% | 6.4%Better |
| Est. monthly savings vs SF | +$4,897 | +$5,464Better |
Frequently asked questions
Is Fort Collins or Sioux Falls better for remote workers?
For remote workers, Sioux Falls edges ahead based on overall cost of living, internet costs, and taxes. The no-state-income-tax advantage in Sioux Falls is particularly valuable for remote workers with high salaries. The best choice depends on your priorities — cost vs walkability vs community.
How much money can I save working remotely in Fort Collins vs staying in San Francisco?
If you earn $120K remotely and relocate from San Francisco (COL index 194) to Fort Collins (COL index 99), you'd save approximately $4,897/month on equivalent purchasing power — or about $58,764/year. This doesn't account for potential salary adjustments.
What is internet service like in Fort Collins vs Sioux Falls?
Median monthly internet costs are $65 in Fort Collins and $60 in Sioux Falls. Both cities have competitive broadband options suitable for remote work, including gigabit fiber in most areas.
Can I negotiate a remote salary if I move from a high-cost city to Fort Collins or Sioux Falls?
Many employers now use location-based pay. Moving from a top-tier city to Fort Collins could trigger a salary adjustment. Even at 85% of a $150K SF salary ($127.5K), the lower COL in Fort Collins or Sioux Falls typically means significantly higher purchasing power and take-home after local taxes.
Which city has better walkability for remote workers who don't need to commute?
Fort Collins has a higher walk score (36 vs 26), meaning more errands, coffee shops, and restaurants are reachable on foot — a big quality-of-life factor when you're home all day. Walk scores above 70 are considered "very walkable."
SF savings estimate based on COL index vs San Francisco (194). Actual savings depend on lifestyle and salary adjustments. Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026
See full side-by-side comparison
All 20+ cost categories including groceries, transportation, and leisure.