Best Cities in South Dakota for Veterans 2025

Bottom Line Up Front

Sioux Falls takes the #1 spot for South Dakota's best city for veterans, offering the strongest job market (unemployment under 2%), excellent healthcare (Sanford and Avera systems plus Sioux Falls VAMC), and a cost of living 9% below the national average. With a median home price of $335,000 and rent around $1,130/month, it's affordable for a metro of 200,000+ people—and growing rapidly with new veteran-friendly employers.

For military-connected veterans, Rapid City (Box Elder area) ranks #2 thanks to proximity to Ellsworth Air Force Base, a 3,800+ military retiree community, and stunning Black Hills scenery. Cost of living is 11% below the national average, with median homes around $285,000.

For budget-conscious veterans, Aberdeen offers the best value: median home prices of $209,000 (21% below national average), a VA clinic in town, and a tight-knit veteran community. Brookings is ideal for veterans attending college (SDSU) or seeking small-city charm with low costs.

Overall, South Dakota delivers exceptional value for veterans: even the "expensive" cities (Sioux Falls, Rapid City) cost less than most U.S. metros, the state has zero income tax (keeping 100% of military retirement pay), and the 1.8% unemployment rate (nation's lowest) means jobs are plentiful. No matter where you land in South Dakota, you'll find affordable living, friendly communities, and a veteran-welcoming culture.

Ranking Methodology

Cities Ranked By:

Cost of living (housing, utilities, groceries): 30%
Veteran population & community: 15%
Proximity to VA healthcare: 20%
Job opportunities: 25%
Quality of life (weather, crime, amenities): 10%

Top 10 Cities Ranked

#1: Sioux Falls

Why It's #1:

Sioux Falls is South Dakota's largest city and economic powerhouse. With 200,000+ metro residents, 1.8% unemployment, and major employers like Sanford Health, Avera Health, Citibank, and Wells Fargo, Sioux Falls offers the best job market in the state. The Royal C. Johnson VA Medical Center provides comprehensive healthcare, and the city's cost of living remains 9% below the national average despite rapid growth.

Sioux Falls combines urban amenities (dining, arts, entertainment) with Midwestern affordability and safety. Violent crime dropped 13% in 2024 to the lowest rate since 2019, making it one of the safest cities of its size in America.

Housing Costs:

Median home price: $335,000
Rent (2BR): $1,090-$1,130/month
Above state average but still affordable nationally

Cost of Living:

Overall: 91/100 (9% below national average)
Groceries: 93/100
Utilities: $200/month average
Transportation: $90/month

Veteran Community:

Veteran population: 8,000+ (4-5% of metro population)
VFW/AL posts: 8+ in metro area
Veteran events: Annual Veterans Day parade, Memorial Day ceremonies, active veteran organizations

VA Healthcare Access:

Nearest facility: Royal C. Johnson VA Medical Center (in city)
Drive time: 10-25 minutes anywhere in metro
Services: Full medical center with emergency care, surgery, specialty care, mental health, primary care

Employment:

Unemployment rate: 1.7% (essentially full employment)
Major employers: Sanford Health (11,000+ employees), Avera Health (7,500+), Citibank (3,000+), Wells Fargo (2,000+), Amazon, Smithfield Foods, First Premier Bank, Raven Industries
Average salary: $54,000
Veteran hiring: Excellent—major employers actively recruit veterans, VA hospital employs hundreds of veterans

Quality of Life:

Weather: Hot summers (85-95°F), cold winters (10-25°F), four distinct seasons
Crime rate: Violent crime 5.65 per 1,000 residents (down 13% in 2024—lowest since 2019); safest major city in SD
Schools: Sioux Falls School District rated 7/10 (good overall, with some excellent elementary schools)
Recreation: Falls Park, SculptureWalk, Great Plains Zoo, Washington Pavilion (arts center), Levitt at the Falls (free concerts), extensive bike trail system (over 70 miles)

Pros:

Best job market in South Dakota
Full-service VA medical center in city
Urban amenities with Midwestern affordability
Fastest-growing city in SD (job growth, development)
Good schools and low crime
No state income tax (huge benefit for military retirees)

Cons:

Highest housing costs in state (though still affordable nationally)
Harsh winters (cold, snow, wind)
Rapid growth causing some traffic congestion
Tornado risk in spring/summer (typical for Great Plains)

Best For: Veterans seeking career opportunities, access to comprehensive healthcare, urban lifestyle with affordability

#2: Rapid City (Box Elder area)

Why It's #2:

Rapid City is the gateway to the Black Hills and home to Ellsworth Air Force Base, making it the military hub of western South Dakota. With 3,800+ military retirees in the region, Rapid City offers instant veteran community and commissary/exchange access. The cost of living is 11% below the national average, housing is reasonable ($285,000 median), and the Black Hills provide year-round outdoor recreation.

Monument Health anchors the healthcare sector, and the VA Black Hills Health Care System (Hot Springs, 45 minutes south) plus a Rapid City VA clinic provide solid veteran healthcare access.

Housing Costs:

Median home price: $285,000 (Rapid City); $260,000 (Box Elder near Ellsworth AFB)
Rent (2BR): $1,100-$1,200/month
7% more expensive than state average but affordable for quality of life

Cost of Living:

Overall: 89/100 (11% below national average)
Groceries: 92/100
Utilities: $195/month
Transportation: $90/month

Veteran Community:

Veteran population: 5,000+ in Rapid City metro (7% of population)
Military retirees: 3,800+ maintain ties to Ellsworth AFB
VFW/AL posts: 6+ in Rapid City area
Proximity to Ellsworth AFB: Box Elder (10 minutes to base gate)
Veteran events: Strong military community, veteran organizations very active

VA Healthcare Access:

Nearest facilities: Rapid City VA Clinic (primary care, mental health); Hot Springs VAMC (45 minutes south—specialty care, mental health, long-term care)
Drive time: Rapid City clinic 10-20 minutes; Hot Springs 45 minutes
Community care: Monument Health (excellent civilian hospital)

Employment:

Unemployment rate: 1.9%
Major employers: Ellsworth AFB (4,100+ military; 1,200+ civilians; contractors include Northrop Grumman, Lockheed Martin), Monument Health (2,500+), Black Hills Energy, South Dakota School of Mines & Technology, state government
Average salary: $51,000
Veteran hiring: Excellent around Ellsworth AFB (base contractors actively recruit transitioning military); Monument Health hires veteran medical personnel

Quality of Life:

Weather: Four seasons; drier than eastern SD (300+ sunny days/year); winters cold but less humid; summers warm but pleasant
Crime rate: Higher than state average (742 violent crimes per 100,000 vs. state average 350), but improving—violence at lowest level since 2020
Schools: Rapid City Area Schools rated 6-7/10 (adequate to good)
Recreation: Exceptional—Mount Rushmore (30 min), Badlands National Park (60 min), Custer State Park, Black Hills National Forest, skiing, hiking, fishing, hunting, Sturgis Motorcycle Rally

Pros:

Proximity to Ellsworth AFB (commissary, BX, base amenities)
Largest military retiree community in SD (instant camaraderie)
Stunning scenery and outdoor recreation (best in state)
Lower cost of living than comparable mountain west cities
Dry, sunny climate (300+ days of sunshine)
Growing job market

Cons:

Higher crime than Sioux Falls (though improving)
Only VA clinic in Rapid City (full medical center is 45 min away in Hot Springs)
Smaller job market than Sioux Falls (though Ellsworth helps)
Remote location (5 hours to Denver, 6+ to Minneapolis)

Best For: Military retirees wanting base access, active duty families at Ellsworth AFB, outdoor enthusiasts, veterans seeking mountain lifestyle

#3: Aberdeen

Why It's #3:

Aberdeen is northeast South Dakota's hub and offers the best budget value in the state. With a median home price of $209,000 (21% below national average) and rent under $900/month, Aberdeen delivers small-city charm with big savings. The city has a VA clinic, low cost of living (91/100), and a tight-knit veteran community (5.7% of population).

Northern State University provides education opportunities, and major employers include Sanford Aberdeen Medical Center, 3M, Wells Fargo, and Presentation College.

Housing Costs:

Median home price: $209,000
Rent (2BR): $850-$875/month
25% below state average—most affordable major city

Cost of Living:

Overall: 91/100 (9% below national average)
Groceries: 89/100
Utilities: $175/month
Transportation: $80/month

Veteran Community:

Veteran population: 1,200+ (5.7% of population)
VFW/AL posts: 3
Veteran events: Active American Legion and VFW chapters, Memorial Day/Veterans Day ceremonies

VA Healthcare Access:

Nearest facility: Aberdeen VA Clinic (primary care, mental health)
Drive time: 5-15 minutes anywhere in Aberdeen
Full medical center: Sioux Falls VAMC (3 hours—significant drive for specialty care)
Community care: Sanford Aberdeen Medical Center (excellent local hospital)

Employment:

Unemployment rate: 2.0%
Major employers: Sanford Health, 3M, Wells Fargo, Northern State University, Presentation College, Hub City Inc.
Average salary: $47,000
Veteran hiring: Moderate—smaller job market than Sioux Falls/Rapid City but opportunities exist

Quality of Life:

Weather: Cold winters (windier than Rapid City), hot summers, typical prairie climate
Crime rate: Low—very safe community
Schools: Aberdeen School District rated 6-7/10
Recreation: Wylie Park, Richmond Lake, Mina Lake (fishing, boating), hunting culture (pheasant capital)

Pros:

Most affordable major city in South Dakota
VA clinic in town
Low crime, safe community
Northern State University (GI Bill, veteran services)
Excellent hunting and fishing access

Cons:

3 hours to Sioux Falls VAMC for specialty care
Smaller job market
Harsh winters (cold, windy)
Limited cultural/entertainment amenities
Isolated location

Best For: Budget-conscious veterans, retirees, outdoor enthusiasts (hunting/fishing), veterans attending Northern State University

#4: Brookings

Why It's #4:

Brookings is a college town (South Dakota State University) with 24,000 residents, affordable housing ($265,000 median), and a cost of living 23% below the national average. It's ideal for veterans attending SDSU (400+ student veterans), families seeking excellent schools, and those wanting small-city charm with low costs.

SDSU is SD's largest university and offers strong veteran support services through the Veterans Affairs Resource Center.

Housing Costs:

Median home price: $265,000
Rent (2BR): $1,185-$1,400/month
At state average

Cost of Living:

Overall: 93/100 (7% below national average)
Groceries: 90/100
Utilities: $180/month
Transportation: $85/month

Veteran Community:

Veteran population: 800+ (4.2% of Brookings County population)
Student veterans: 400+ at SDSU
VFW/AL posts: 2
Student Veteran Organization at SDSU

VA Healthcare Access:

Nearest VA: Sioux Falls VAMC (60 minutes)
Community care: Brookings Health System (local hospital)

Employment:

Unemployment rate: 1.9%
Major employers: SDSU (2,500+), Daktronics (2,500+ headquarters), 3M, Larson Manufacturing, Brookings Health System
Average salary: $48,000
Veteran hiring: Daktronics actively recruits veterans; SDSU employs veteran staff

Quality of Life:

Weather: Cold winters, hot summers (prairie climate)
Crime: Very low—safe college town
Schools: Brookings School District rated 8/10 (excellent)
Recreation: College sports (SDSU Jackrabbits), bike trails, lakes nearby, Children's Museum

Pros:

Excellent for veterans attending SDSU (strong veteran services)
Affordable housing
Good schools
Low crime
Daktronics and 3M provide solid job opportunities
College town amenities (restaurants, culture)

Cons:

60 minutes to Sioux Falls VAMC
Smaller job market (though Daktronics helps)
College town culture (pro or con depending on preference)
Harsh winters

Best For: Veterans attending SDSU, families wanting excellent schools, those seeking college town atmosphere with affordability

#5: Watertown

Why It's #5:

Watertown is northeast South Dakota's second-largest city (22,000 population), offering affordable housing ($210,000 median), a VA clinic in town, and a cost of living 20% below the national average. It's a quiet, safe community with strong manufacturing (Terex, Goss Manufacturing) and outdoor recreation (lakes region).

Housing Costs:

Median home price: $210,000
Rent (2BR): $850-$950/month
24% below state average

Cost of Living:

Overall: 80/100 (20% below national average)
Utilities: $170/month

Veteran Community:

Veteran population: 1,000+ (5% of population)
VFW/AL posts: 2

VA Healthcare Access:

Watertown VA Clinic: In city (primary care, mental health)
Sioux Falls VAMC: 90 minutes (specialty care)

Employment:

Major employers: Terex (construction equipment), Prairie Lakes Healthcare, Goss Manufacturing
Average salary: $46,000

Quality of Life:

Crime: Very low
Schools: 7/10
Recreation: Lake Kampeska, Pelican Lake (fishing, boating), Bramble Park Zoo

Pros:

Very affordable
VA clinic in town
Low crime
Lakes region (excellent fishing)

Cons:

90 minutes to full VA medical center
Small job market
Limited amenities
Harsh winters

Best For: Budget veterans, retirees, outdoor enthusiasts (fishing/hunting)

#6: Spearfish

Why It's #6:

Spearfish is a Black Hills gem with 12,000 residents, a charming downtown, and proximity to outdoor recreation. It's home to Black Hills State University and offers a quieter, smaller alternative to Rapid City while staying close to Ellsworth AFB (45 minutes).

Housing Costs:

Median home price: $240,000
Rent (2BR): $950-$1,100/month
Affordable for mountain town

Cost of Living:

Overall: 88/100 (12% below national average)

Veteran Community:

Veteran population: 600+ (6% of population)
VFW/AL posts: 1

VA Healthcare Access:

Nearest VA: Hot Springs VAMC (60 minutes south); Rapid City clinic (45 minutes)

Employment:

Major employers: Black Hills State University, Monument Health Spearfish Hospital, tourism
Average salary: $45,000

Quality of Life:

Crime: Very low—safest in Black Hills
Schools: 8/10 (excellent)
Recreation: Spearfish Canyon (hiking, biking, skiing), Deadwood (20 min), Sturgis (20 min)

Pros:

Beautiful small-town charm
Excellent schools
Outdoor recreation (hiking, skiing, fishing)
Low crime

Cons:

60 minutes to VA medical center
Small job market (tourism-heavy)
Remote location

Best For: Retirees, outdoor enthusiasts, veterans attending Black Hills State University

#7: Mitchell

Why It's #7:

Mitchell (15,000 population) is central South Dakota's hub, home to the Corn Palace and Mitchell Technical College. It offers affordable housing ($195,000 median), a quiet lifestyle, and proximity to Sioux Falls (70 minutes).

Housing Costs:

Median home price: $195,000
Rent (2BR): $800-$900/month
30% below state average

Cost of Living:

Overall: 86/100 (14% below national average)

Veteran Community:

Veteran population: 800+ (6% of population)
VFW/AL posts: 2

VA Healthcare Access:

Sioux Falls VAMC: 70 minutes

Employment:

Major employers: Mitchell Technical College, Avera Queen of Peace, Walmart Distribution Center
Average salary: $44,000

Quality of Life:

Crime: Low
Schools: 7/10
Recreation: Corn Palace, Lake Mitchell, Cabela's

Pros:

Very affordable
Mitchell Tech (GI Bill-approved trade school)
Central location

Cons:

70 minutes to VA care
Small job market

Best For: Veterans attending Mitchell Tech, budget-focused retirees

#8: Pierre

Why It's #8:

Pierre (14,000) is South Dakota's capital, offering state government jobs with veteran preference. Housing is affordable ($215,000 median), and the Missouri River provides recreation.

Housing Costs:

Median home price: $215,000
Rent (2BR): $850-$950/month

Cost of Living:

Overall: 87/100 (13% below national average)

Veteran Community:

Veteran population: 700+ (6% of population)
SDDVA Pierre Office: In city

VA Healthcare Access:

Sioux Falls VAMC: 2.5 hours east
Community care: Avera St. Mary's Hospital (local)

Employment:

Major employers: State of South Dakota (veteran preference), Avera St. Mary's, schools
Average salary: $50,000 (state jobs)

Quality of Life:

Crime: Very low
Schools: 7/10
Recreation: Missouri River (fishing, boating), Capitol building/grounds

Pros:

State capital (government jobs with veteran preference)
SDDVA office in town
Low crime
Missouri River recreation

Cons:

2.5 hours to VA medical center (significant barrier)
Small city (limited amenities)
Remote/isolated

Best For: Veterans seeking state government jobs, those prioritizing veteran preference hiring

#9: Yankton

Why It's #9:

Yankton (15,000) is southeast South Dakota's historic city on the Missouri River. It's home to Mount Marty University (Yellow Ribbon school) and offers affordable living ($200,000 median homes).

Housing Costs:

Median home price: $200,000
Rent (2BR): $825-$925/month

Cost of Living:

Overall: 85/100 (15% below national average)

Veteran Community:

Veteran population: 800+ (6% of population)
VFW/AL posts: 2

VA Healthcare Access:

Wagner VA Clinic: 45 minutes
Sioux Falls VAMC: 90 minutes

Employment:

Major employers: Avera Sacred Heart Hospital, Mount Marty University, Federal Prison Camp
Average salary: $43,000

Quality of Life:

Crime: Low
Schools: 7/10
Recreation: Lewis & Clark Lake (boating, fishing), Missouri River

Pros:

Very affordable
Mount Marty University (Yellow Ribbon school)
Missouri River recreation

Cons:

90 minutes to VA medical center
Small job market

Best For: Veterans attending Mount Marty (Yellow Ribbon), budget retirees, fishing enthusiasts

#10: Vermillion

Why It's #10:

Vermillion (11,000) is home to University of South Dakota and offers a college town atmosphere with ultra-affordable housing ($180,000 median). Ideal for veterans pursuing higher education (law school, medical school, or undergrad).

Housing Costs:

Median home price: $180,000
Rent (2BR): $800-$900/month
35% below state average

Cost of Living:

Overall: 84/100 (16% below national average)

Veteran Community:

Veteran population: 500+ (5% of population)
Student veterans: 300+ at USD

VA Healthcare Access:

Sioux Falls VAMC: 60 minutes

Employment:

Major employers: USD (largest employer), Sanford Vermillion Medical Center
Average salary: $42,000

Quality of Life:

Crime: Very low (safe college town)
Schools: 7/10
Recreation: USD sports, Missouri River nearby

Pros:

Cheapest housing on list
USD (law school, medical school, strong GI Bill programs)
Safe college town
Close to Sioux Falls (60 min)

Cons:

Very small city (limited beyond university)
60 minutes to VA care
Job market limited (USD-dependent)

Best For: Veterans attending USD (especially law or medical school), extreme budget focus

Cost of Living Comparison Table

City	Median Home Price	Rent (2BR)	COL Index	Veteran Pop %	Distance to VA Medical Center
Sioux Falls	$335,000	$1,130	91	4-5%	In city
Rapid City	$285,000	$1,150	89	7%	45 min (Hot Springs)
Aberdeen	$209,000	$875	91	5.7%	3 hours (Sioux Falls)
Brookings	$265,000	$1,300	93	4.2%	60 min
Watertown	$210,000	$900	80	5%	90 min
Spearfish	$240,000	$1,025	88	6%	60 min
Mitchell	$195,000	$850	86	6%	70 min
Pierre	$215,000	$900	87	6%	2.5 hours
Yankton	$200,000	$875	85	6%	90 min
Vermillion	$180,000	$850	84	5%	60 min

By Budget

Most Affordable Cities

Vermillion: $180,000 median home | 16% below national average
Mitchell: $195,000 | 14% below national average
Yankton: $200,000 | 15% below national average

For veterans on fixed incomes or budgets, Vermillion, Mitchell, and Yankton offer rock-bottom housing costs. You can buy a decent home for under $200,000 and rent for under $900/month. Trade-off: Distance to VA care (60-90 minutes).

Mid-Range Cities

Aberdeen: $209,000
Watertown: $210,000
Pierre: $215,000
Spearfish: $240,000

These cities balance affordability with access to amenities. Aberdeen and Watertown have VA clinics in town. Spearfish offers mountain living at reasonable cost.

Premium Cities

Brookings: $265,000
Rapid City: $285,000
Sioux Falls: $335,000

"Premium" is relative—even Sioux Falls costs less than most U.S. metros. You're paying for job access, VA healthcare, and amenities. Rapid City adds Ellsworth AFB proximity and Black Hills beauty.

By Priority

Best for Job Opportunities

Sioux Falls: Largest job market, diverse economy, 1.7% unemployment
Rapid City: Ellsworth AFB jobs, Monument Health, growing economy
Brookings: Daktronics (2,500 jobs), SDSU, 3M

Best for Veteran Community

Rapid City/Box Elder: 3,800+ military retirees, Ellsworth AFB culture
Sioux Falls: Largest total number of veterans (8,000+)
Aberdeen: Tight-knit community, active VFW/AL

Best for Healthcare Access

Sioux Falls: VA Medical Center in city (full hospital)
Rapid City: VA clinic + Hot Springs VAMC 45 min
Aberdeen/Watertown: VA clinics in town (primary care/mental health)

Best for Families

Sioux Falls: Good schools citywide, low crime (improving), amenities
Brookings: Excellent schools (8/10), safe college town, family-friendly
Spearfish: Top-rated schools (8/10), very safe, outdoor recreation

Best for Retirees

Aberdeen: Low costs, VA clinic in town, quiet lifestyle
Rapid City: Ellsworth AFB access (commissary/BX), outdoor recreation
Watertown: Affordable, VA clinic, lakes region

Regional Analysis

Eastern Metro (Sioux Falls area)

Cities: Sioux Falls, Brookings, Watertown, Vermillion Characteristics: Urban/suburban, best job market, full VA medical center (Sioux Falls), higher costs (but still affordable nationally) Best for: Working veterans, families, healthcare access

Black Hills (Rapid City area)

Cities: Rapid City, Spearfish, Box Elder Characteristics: Mountain lifestyle, Ellsworth AFB community, outdoor recreation, moderate costs Best for: Military retirees, outdoor enthusiasts, active duty families

Northeast (Aberdeen/Watertown)

Cities: Aberdeen, Watertown Characteristics: Small cities, very affordable, prairie/lakes region, VA clinics Best for: Budget veterans, hunters/anglers, retirees

Central (Pierre/Mitchell)

Cities: Pierre, Mitchell Characteristics: Small cities, state capital jobs (Pierre), affordable, isolated Best for: State employees (veteran preference), trade school students (Mitchell Tech)

Southeast (Yankton/Vermillion)

Cities: Yankton, Vermillion Characteristics: Small cities, colleges (USD, Mount Marty), Missouri River recreation, very affordable Best for: College veterans, extreme budget focus, river recreation

Military Base Proximity

Cities Near Ellsworth AFB

Within 30 Minutes:

Box Elder: 5-10 minutes to gate
Rapid City: 15-25 minutes

Why This Matters:

Commissary/BX access for retirees (save $1,000+/year on groceries)
ID card services
Strong veteran community (3,800+ retirees)
Job opportunities with base contractors (Northrop Grumman, Lockheed Martin)
MWR facilities (gym, golf, bowling, auto hobby shop)

Ellsworth is South Dakota's only major active duty base. If you want base access, live in Rapid City or Box Elder. You'll save significantly on groceries (commissary prices 20-30% below civilian stores) and have instant military community.

Veteran Population Density

Cities with Highest % Veterans:

Rapid City: 7%
Spearfish: 6%
Aberdeen: 5.7%
Pierre: 6%

What This Means:

Rapid City has the strongest military/veteran culture outside Ellsworth AFB—businesses offer military discounts, community understands military life
Smaller cities (Spearfish, Aberdeen, Pierre) have tight-knit veteran communities even if raw numbers are lower
Sioux Falls has the most total veterans (8,000+) but lower percentage (4-5%)—still, you'll find veteran organizations and events

Financial Analysis

Home Ownership Costs (20-Year)

Sioux Falls ($335,000 home):

Purchase price: $335,000
Down payment (10%): $33,500
Monthly mortgage (30-year, 7% interest): $2,116
Property tax (monthly, 1.54% rate): $430
If 100% disabled (property tax exempt on $200K): Save $257/month on first $200K = $3,084/year
Insurance: $135/month
Total monthly: $2,681 (or $2,424 if 100% disabled with partial exemption)
20-year cost: $643,440 (or $582,000 if 100% disabled)

Rapid City ($285,000 home):

Purchase price: $285,000
Down payment: $28,500
Monthly mortgage: $1,800
Property tax (monthly, 1.37% rate): $325
If 100% disabled: Save $228/month = $2,740/year
Insurance: $120/month
Total monthly: $2,245 (or $2,017 if 100% disabled)
20-year cost: $538,800 (or $484,000 if 100% disabled)

Aberdeen ($209,000 home):

Purchase price: $209,000
Down payment: $20,900
Monthly mortgage: $1,320
Property tax (monthly, 1.25% rate): $218
If 100% disabled: Save $208/month = $2,500/year
Insurance: $100/month
Total monthly: $1,638 (or $1,430 if 100% disabled)
20-year cost: $393,120 (or $343,200 if 100% disabled)

Key takeaway: If you're 100% disabled, the $200,000 property tax exemption saves $2,500-$3,100/year depending on city. Over 20 years, that's $50,000-$62,000 in savings. This makes higher-cost cities like Sioux Falls much more affordable for disabled veterans.

Renting vs Buying Analysis

Break-even point in Sioux Falls:

Rent: $1,130/month = $13,560/year
Own (with mortgage): $32,172/year total costs
Own (100% disabled, partial property tax exemption): $29,088/year

Renting is cheaper short-term. If you're 100% disabled and plan to stay 10+ years, buying builds equity and the property tax exemption helps offset costs.

Break-even in Aberdeen:

Rent: $875/month = $10,500/year
Own: $19,656/year
Own (100% disabled): $17,160/year

With lower costs, buying in Aberdeen makes sense if you plan to stay 5+ years, especially if you're 100% disabled.

Climate & Weather

Best Weather

Rapid City/Spearfish: Drier climate (Black Hills), 300+ sunny days/year, less humid than eastern SD
Sioux Falls/Brookings: Four seasons, but more humid and windier

Harshest Weather

All South Dakota cities have cold winters (below freezing November-March) and hot summers (80-95°F). Western SD (Rapid City) is drier and sunnier; eastern SD (Sioux Falls, Aberdeen) is more humid with more precipitation.

What to expect:

Winter: 10-25°F, snow, wind, occasional blizzards (eastern SD windier)
Spring: Tornado season (April-June), severe thunderstorms
Summer: 80-95°F, humid (eastern SD), dry (western SD)
Fall: Beautiful, mild (best season)

If you hate cold and snow, South Dakota isn't for you. If you can handle seasons, western SD (Rapid City) offers more sunshine and less humidity.

Crime & Safety

Safest Cities:

Spearfish: Very low crime
Brookings: College town safety
Watertown: Small-city low crime
Aberdeen: Safe community

Higher Crime Areas:

Rapid City: 742 violent crimes per 100,000 (double state average of 350), though improving—violence lowest since 2020
Sioux Falls: 5.65 violent crimes per 1,000 (565 per 100,000)—down 13% in 2024, lowest since 2019

Reality check: Even Sioux Falls and Rapid City are safer than most U.S. cities their size. South Dakota overall is a safe state. Crime tends to be property crime (theft) rather than violent crime.

Lifestyle Factors

Outdoor Recreation

Best cities for:

Hunting/Fishing: Aberdeen (pheasant capital), Watertown (lakes), Yankton (Missouri River), anywhere in SD (hunting/fishing culture)
Hiking/Biking: Rapid City/Spearfish (Black Hills trails), Sioux Falls (70+ miles bike trails)
Mountain sports: Rapid City/Spearfish (skiing, rock climbing)
Water sports: Watertown (Lake Kampeska), Yankton (Lewis & Clark Lake), Pierre (Missouri River)

Nightlife & Dining

Best scenes:

Sioux Falls: Downtown, Phillips Avenue—breweries, restaurants, live music
Rapid City: Main Street Square, downtown—bars, restaurants, Black Hills culture

Smaller cities have limited nightlife (VFW, local bars, chain restaurants).

Arts & Culture

Sioux Falls: Washington Pavilion (science center, performing arts), SculptureWalk, Levitt at the Falls
Rapid City: Journey Museum, Dahl Arts Center, proximity to Mount Rushmore/Crazy Horse Memorial

What to Avoid

Cities to Skip (or approach with caution):

Far western/northern SD without VA access: Towns in Harding, Perkins, Corson, or Dewey counties are 3+ hours from VA care. If you need regular healthcare, this is isolating and impractical.

Why: Limited healthcare access, no veteran community, few job opportunities.

Better alternatives: If you want rural SD, choose Aberdeen, Watertown, or Spearfish—small enough for that feel, big enough for services and VA clinics.

Moving to South Dakota

One-Time Costs

Moving truck (500 miles): $1,500-$2,500
Deposit + first month rent: $2,200 (Sioux Falls 2BR)
Utility hookups: $200-$300
Vehicle registration: $50-$150 (disabled veterans: $10 annual fee + $7.50 initial mailing)
Total: $4,000-$5,200 to get started

Best Time to Move

Weather: May-September (avoid harsh winter moving)
Housing market: Winter (Nov-Feb) has less competition, better deals
School calendar: July-early August if you have kids (settle before school starts)

Establishing Residency

Get SD driver's license within 90 days of establishing residency
Register vehicle within 90 days
Register to vote: sdsos.gov
Apply for property tax exemption (if 100% disabled) by November 1
File for homestead exemption if you buy a home

Frequently Asked Questions

Q: What's the best city in South Dakota for veterans on a budget?

A: Aberdeen. Median home price is $209,000, cost of living is 9% below national average, and there's a VA clinic in town. You can live comfortably on a modest retirement or disability income.

Q: Which city has the strongest veteran community?

A: Rapid City (Box Elder area). With 3,800+ military retirees tied to Ellsworth AFB, you'll find instant community, military discounts, commissary/BX access, and a culture that understands military life.

Q: Is Sioux Falls safe for veterans and families?

A: Yes. Violent crime dropped 13% in 2024 to the lowest rate since 2019 (5.65 per 1,000 residents). Sioux Falls is one of the safest cities of its size in America. Stick to established neighborhoods, and you'll be very safe.

Q: Can I access Ellsworth AFB commissary and BX as a retiree?

A: Yes. Retirees, 100% disabled veterans, and Medal of Honor recipients have full base access including commissary and exchange. You'll save 20-30% on groceries compared to civilian stores.

Q: Which city is best for veterans attending college?

A: Brookings (SDSU) or Vermillion (USD). Both have strong veteran services, GI Bill certification, and student veteran organizations. Brookings has larger veteran enrollment (400+); Vermillion offers law and medical school.

Q: How far am I from VA healthcare in smaller cities?

A: Aberdeen and Watertown have VA clinics in town (primary care, mental health). Brookings, Vermillion, Yankton, and Mitchell are 60-90 minutes from Sioux Falls VAMC. Pierre is 2.5 hours (significant barrier). Rapid City has a clinic; Hot Springs VAMC is 45 minutes.

Q: What's the job market like for veterans in South Dakota?

A: Excellent. SD has the lowest unemployment rate in America (1.8% in 2024). Sioux Falls and Rapid City offer the most diverse job markets. State jobs offer 5-10 point veteran preference.

Q: Are there veteran-specific home loan benefits in South Dakota?

A: Yes. VA home loans have no down payment and competitive rates. South Dakota doesn't charge a funding fee for 100% disabled veterans. 100% P&T disabled veterans get property tax exemption up to $200,000 assessed value (paraplegic veterans get unlimited exemption).

Q: What's the cost of living difference between Sioux Falls and Aberdeen?

A: Similar overall COL index (both 91), but housing is significantly cheaper in Aberdeen ($209K median vs. $335K in Sioux Falls). You'll save ~$125,000 on home purchase, but Sioux Falls has far better job market and amenities.

Q: Is tornado risk a real concern?

A: Yes. South Dakota averages 30-40 tornadoes per year, mostly April-June. Have a basement or shelter plan. Most SD homes have basements. Tornado warnings are common in spring, but fatalities are rare if you take shelter promptly.

Q: Can I hunt and fish easily in South Dakota?

A: Yes. SD offers excellent pheasant, deer, waterfowl, and turkey hunting. Fishing is great in glacial lakes (northeast SD) and Missouri River. Veterans with 40%+ disability get 4-year hunting/fishing license for $10; 100% disabled get free lifetime licenses.

Q: Which city is best for retirees who want low costs and VA access?

A: Aberdeen. You get VA clinic in town, very affordable housing ($209K), low cost of living, and a quiet, safe community. Watertown is similar (VA clinic, affordable, lakes region).

Q: Does the no income tax benefit apply if I move to South Dakota?

A: Yes. South Dakota has zero state income tax for all residents. Your military retirement pay, VA disability, Social Security, investment income—all tax-free at the state level. This saves $2,000-$4,000+/year compared to states with income taxes.

Last updated: 2025. Housing prices and cost of living data reflect 2024-2025 market conditions. Verify current costs before moving.

Best Cities in South Dakota for Veterans 2025

Bottom Line Up Front

Ranking Methodology

Cities Ranked By:

Cost of living (housing, utilities, groceries): 30%
Veteran population & community: 15%
Proximity to VA healthcare: 20%
Job opportunities: 25%
Quality of life (weather, crime, amenities): 10%

Top 10 Cities Ranked

#1: Sioux Falls

Why It's #1:

Housing Costs:

Median home price: $335,000
Rent (2BR): $1,090-$1,130/month
Above state average but still affordable nationally

Cost of Living:

Overall: 91/100 (9% below national average)
Groceries: 93/100
Utilities: $200/month average
Transportation: $90/month

Veteran Community:

Veteran population: 8,000+ (4-5% of metro population)
VFW/AL posts: 8+ in metro area
Veteran events: Annual Veterans Day parade, Memorial Day ceremonies, active veteran organizations

VA Healthcare Access:

Nearest facility: Royal C. Johnson VA Medical Center (in city)
Drive time: 10-25 minutes anywhere in metro
Services: Full medical center with emergency care, surgery, specialty care, mental health, primary care

Employment:

Unemployment rate: 1.7% (essentially full employment)
Major employers: Sanford Health (11,000+ employees), Avera Health (7,500+), Citibank (3,000+), Wells Fargo (2,000+), Amazon, Smithfield Foods, First Premier Bank, Raven Industries
Average salary: $54,000
Veteran hiring: Excellent—major employers actively recruit veterans, VA hospital employs hundreds of veterans

Quality of Life:

Weather: Hot summers (85-95°F), cold winters (10-25°F), four distinct seasons
Crime rate: Violent crime 5.65 per 1,000 residents (down 13% in 2024—lowest since 2019); safest major city in SD
Schools: Sioux Falls School District rated 7/10 (good overall, with some excellent elementary schools)
Recreation: Falls Park, SculptureWalk, Great Plains Zoo, Washington Pavilion (arts center), Levitt at the Falls (free concerts), extensive bike trail system (over 70 miles)

Pros:

Best job market in South Dakota
Full-service VA medical center in city
Urban amenities with Midwestern affordability
Fastest-growing city in SD (job growth, development)
Good schools and low crime
No state income tax (huge benefit for military retirees)

Cons:

Highest housing costs in state (though still affordable nationally)
Harsh winters (cold, snow, wind)
Rapid growth causing some traffic congestion
Tornado risk in spring/summer (typical for Great Plains)

Best For: Veterans seeking career opportunities, access to comprehensive healthcare, urban lifestyle with affordability

#2: Rapid City (Box Elder area)

Why It's #2:

Monument Health anchors the healthcare sector, and the VA Black Hills Health Care System (Hot Springs, 45 minutes south) plus a Rapid City VA clinic provide solid veteran healthcare access.

Housing Costs:

Median home price: $285,000 (Rapid City); $260,000 (Box Elder near Ellsworth AFB)
Rent (2BR): $1,100-$1,200/month
7% more expensive than state average but affordable for quality of life

Cost of Living:

Overall: 89/100 (11% below national average)
Groceries: 92/100
Utilities: $195/month
Transportation: $90/month

Veteran Community:

Veteran population: 5,000+ in Rapid City metro (7% of population)
Military retirees: 3,800+ maintain ties to Ellsworth AFB
VFW/AL posts: 6+ in Rapid City area
Proximity to Ellsworth AFB: Box Elder (10 minutes to base gate)
Veteran events: Strong military community, veteran organizations very active

VA Healthcare Access:

Nearest facilities: Rapid City VA Clinic (primary care, mental health); Hot Springs VAMC (45 minutes south—specialty care, mental health, long-term care)
Drive time: Rapid City clinic 10-20 minutes; Hot Springs 45 minutes
Community care: Monument Health (excellent civilian hospital)

Employment:

Unemployment rate: 1.9%
Major employers: Ellsworth AFB (4,100+ military; 1,200+ civilians; contractors include Northrop Grumman, Lockheed Martin), Monument Health (2,500+), Black Hills Energy, South Dakota School of Mines & Technology, state government
Average salary: $51,000
Veteran hiring: Excellent around Ellsworth AFB (base contractors actively recruit transitioning military); Monument Health hires veteran medical personnel

Quality of Life:

Weather: Four seasons; drier than eastern SD (300+ sunny days/year); winters cold but less humid; summers warm but pleasant
Crime rate: Higher than state average (742 violent crimes per 100,000 vs. state average 350), but improving—violence at lowest level since 2020
Schools: Rapid City Area Schools rated 6-7/10 (adequate to good)
Recreation: Exceptional—Mount Rushmore (30 min), Badlands National Park (60 min), Custer State Park, Black Hills National Forest, skiing, hiking, fishing, hunting, Sturgis Motorcycle Rally

Pros:

Proximity to Ellsworth AFB (commissary, BX, base amenities)
Largest military retiree community in SD (instant camaraderie)
Stunning scenery and outdoor recreation (best in state)
Lower cost of living than comparable mountain west cities
Dry, sunny climate (300+ days of sunshine)
Growing job market

Cons:

Higher crime than Sioux Falls (though improving)
Only VA clinic in Rapid City (full medical center is 45 min away in Hot Springs)
Smaller job market than Sioux Falls (though Ellsworth helps)
Remote location (5 hours to Denver, 6+ to Minneapolis)

Best For: Military retirees wanting base access, active duty families at Ellsworth AFB, outdoor enthusiasts, veterans seeking mountain lifestyle

#3: Aberdeen

Why It's #3:

Northern State University provides education opportunities, and major employers include Sanford Aberdeen Medical Center, 3M, Wells Fargo, and Presentation College.

Housing Costs:

Median home price: $209,000
Rent (2BR): $850-$875/month
25% below state average—most affordable major city

Cost of Living:

Overall: 91/100 (9% below national average)
Groceries: 89/100
Utilities: $175/month
Transportation: $80/month

Veteran Community:

Veteran population: 1,200+ (5.7% of population)
VFW/AL posts: 3
Veteran events: Active American Legion and VFW chapters, Memorial Day/Veterans Day ceremonies

VA Healthcare Access:

Nearest facility: Aberdeen VA Clinic (primary care, mental health)
Drive time: 5-15 minutes anywhere in Aberdeen
Full medical center: Sioux Falls VAMC (3 hours—significant drive for specialty care)
Community care: Sanford Aberdeen Medical Center (excellent local hospital)

Employment:

Unemployment rate: 2.0%
Major employers: Sanford Health, 3M, Wells Fargo, Northern State University, Presentation College, Hub City Inc.
Average salary: $47,000
Veteran hiring: Moderate—smaller job market than Sioux Falls/Rapid City but opportunities exist

Quality of Life:

Weather: Cold winters (windier than Rapid City), hot summers, typical prairie climate
Crime rate: Low—very safe community
Schools: Aberdeen School District rated 6-7/10
Recreation: Wylie Park, Richmond Lake, Mina Lake (fishing, boating), hunting culture (pheasant capital)

Pros:

Most affordable major city in South Dakota
VA clinic in town
Low crime, safe community
Northern State University (GI Bill, veteran services)
Excellent hunting and fishing access

Cons:

3 hours to Sioux Falls VAMC for specialty care
Smaller job market
Harsh winters (cold, windy)
Limited cultural/entertainment amenities
Isolated location

Best For: Budget-conscious veterans, retirees, outdoor enthusiasts (hunting/fishing), veterans attending Northern State University

#4: Brookings

Why It's #4:

SDSU is SD's largest university and offers strong veteran support services through the Veterans Affairs Resource Center.

Housing Costs:

Median home price: $265,000
Rent (2BR): $1,185-$1,400/month
At state average

Cost of Living:

Overall: 93/100 (7% below national average)
Groceries: 90/100
Utilities: $180/month
Transportation: $85/month

Veteran Community:

Veteran population: 800+ (4.2% of Brookings County population)
Student veterans: 400+ at SDSU
VFW/AL posts: 2
Student Veteran Organization at SDSU

VA Healthcare Access:

Nearest VA: Sioux Falls VAMC (60 minutes)
Community care: Brookings Health System (local hospital)

Employment:

Unemployment rate: 1.9%
Major employers: SDSU (2,500+), Daktronics (2,500+ headquarters), 3M, Larson Manufacturing, Brookings Health System
Average salary: $48,000
Veteran hiring: Daktronics actively recruits veterans; SDSU employs veteran staff

Quality of Life:

Weather: Cold winters, hot summers (prairie climate)
Crime: Very low—safe college town
Schools: Brookings School District rated 8/10 (excellent)
Recreation: College sports (SDSU Jackrabbits), bike trails, lakes nearby, Children's Museum

Pros:

Excellent for veterans attending SDSU (strong veteran services)
Affordable housing
Good schools
Low crime
Daktronics and 3M provide solid job opportunities
College town amenities (restaurants, culture)

Cons:

60 minutes to Sioux Falls VAMC
Smaller job market (though Daktronics helps)
College town culture (pro or con depending on preference)
Harsh winters

Best For: Veterans attending SDSU, families wanting excellent schools, those seeking college town atmosphere with affordability

#5: Watertown

Why It's #5:

Housing Costs:

Median home price: $210,000
Rent (2BR): $850-$950/month
24% below state average

Cost of Living:

Overall: 80/100 (20% below national average)
Utilities: $170/month

Veteran Community:

Veteran population: 1,000+ (5% of population)
VFW/AL posts: 2

VA Healthcare Access:

Watertown VA Clinic: In city (primary care, mental health)
Sioux Falls VAMC: 90 minutes (specialty care)

Employment:

Major employers: Terex (construction equipment), Prairie Lakes Healthcare, Goss Manufacturing
Average salary: $46,000

Quality of Life:

Crime: Very low
Schools: 7/10
Recreation: Lake Kampeska, Pelican Lake (fishing, boating), Bramble Park Zoo

Pros:

Very affordable
VA clinic in town
Low crime
Lakes region (excellent fishing)

Cons:

90 minutes to full VA medical center
Small job market
Limited amenities
Harsh winters

Best For: Budget veterans, retirees, outdoor enthusiasts (fishing/hunting)

#6: Spearfish

Why It's #6:

Housing Costs:

Median home price: $240,000
Rent (2BR): $950-$1,100/month
Affordable for mountain town

Cost of Living:

Overall: 88/100 (12% below national average)

Veteran Community:

Veteran population: 600+ (6% of population)
VFW/AL posts: 1

VA Healthcare Access:

Nearest VA: Hot Springs VAMC (60 minutes south); Rapid City clinic (45 minutes)

Employment:

Major employers: Black Hills State University, Monument Health Spearfish Hospital, tourism
Average salary: $45,000

Quality of Life:

Crime: Very low—safest in Black Hills
Schools: 8/10 (excellent)
Recreation: Spearfish Canyon (hiking, biking, skiing), Deadwood (20 min), Sturgis (20 min)

Pros:

Beautiful small-town charm
Excellent schools
Outdoor recreation (hiking, skiing, fishing)
Low crime

Cons:

60 minutes to VA medical center
Small job market (tourism-heavy)
Remote location

Best For: Retirees, outdoor enthusiasts, veterans attending Black Hills State University

#7: Mitchell

Why It's #7:

Housing Costs:

Median home price: $195,000
Rent (2BR): $800-$900/month
30% below state average

Cost of Living:

Overall: 86/100 (14% below national average)

Veteran Community:

Veteran population: 800+ (6% of population)
VFW/AL posts: 2

VA Healthcare Access:

Sioux Falls VAMC: 70 minutes

Employment:

Major employers: Mitchell Technical College, Avera Queen of Peace, Walmart Distribution Center
Average salary: $44,000

Quality of Life:

Crime: Low
Schools: 7/10
Recreation: Corn Palace, Lake Mitchell, Cabela's

Pros:

Very affordable
Mitchell Tech (GI Bill-approved trade school)
Central location

Cons:

70 minutes to VA care
Small job market

Best For: Veterans attending Mitchell Tech, budget-focused retirees

#8: Pierre

Why It's #8:

Pierre (14,000) is South Dakota's capital, offering state government jobs with veteran preference. Housing is affordable ($215,000 median), and the Missouri River provides recreation.

Housing Costs:

Median home price: $215,000
Rent (2BR): $850-$950/month

Cost of Living:

Overall: 87/100 (13% below national average)

Veteran Community:

Veteran population: 700+ (6% of population)
SDDVA Pierre Office: In city

VA Healthcare Access:

Sioux Falls VAMC: 2.5 hours east
Community care: Avera St. Mary's Hospital (local)

Employment:

Major employers: State of South Dakota (veteran preference), Avera St. Mary's, schools
Average salary: $50,000 (state jobs)

Quality of Life:

Crime: Very low
Schools: 7/10
Recreation: Missouri River (fishing, boating), Capitol building/grounds

Pros:

State capital (government jobs with veteran preference)
SDDVA office in town
Low crime
Missouri River recreation

Cons:

2.5 hours to VA medical center (significant barrier)
Small city (limited amenities)
Remote/isolated

Best For: Veterans seeking state government jobs, those prioritizing veteran preference hiring

#9: Yankton

Why It's #9:

Yankton (15,000) is southeast South Dakota's historic city on the Missouri River. It's home to Mount Marty University (Yellow Ribbon school) and offers affordable living ($200,000 median homes).

Housing Costs:

Median home price: $200,000
Rent (2BR): $825-$925/month

Cost of Living:

Overall: 85/100 (15% below national average)

Veteran Community:

Veteran population: 800+ (6% of population)
VFW/AL posts: 2

VA Healthcare Access:

Wagner VA Clinic: 45 minutes
Sioux Falls VAMC: 90 minutes

Employment:

Major employers: Avera Sacred Heart Hospital, Mount Marty University, Federal Prison Camp
Average salary: $43,000

Quality of Life:

Crime: Low
Schools: 7/10
Recreation: Lewis & Clark Lake (boating, fishing), Missouri River

Pros:

Very affordable
Mount Marty University (Yellow Ribbon school)
Missouri River recreation

Cons:

90 minutes to VA medical center
Small job market

Best For: Veterans attending Mount Marty (Yellow Ribbon), budget retirees, fishing enthusiasts

#10: Vermillion

Why It's #10:

Housing Costs:

Median home price: $180,000
Rent (2BR): $800-$900/month
35% below state average

Cost of Living:

Overall: 84/100 (16% below national average)

Veteran Community:

Veteran population: 500+ (5% of population)
Student veterans: 300+ at USD

VA Healthcare Access:

Sioux Falls VAMC: 60 minutes

Employment:

Major employers: USD (largest employer), Sanford Vermillion Medical Center
Average salary: $42,000

Quality of Life:

Crime: Very low (safe college town)
Schools: 7/10
Recreation: USD sports, Missouri River nearby

Pros:

Cheapest housing on list
USD (law school, medical school, strong GI Bill programs)
Safe college town
Close to Sioux Falls (60 min)

Cons:

Very small city (limited beyond university)
60 minutes to VA care
Job market limited (USD-dependent)

Best For: Veterans attending USD (especially law or medical school), extreme budget focus

Cost of Living Comparison Table

City	Median Home Price	Rent (2BR)	COL Index	Veteran Pop %	Distance to VA Medical Center
Sioux Falls	$335,000	$1,130	91	4-5%	In city
Rapid City	$285,000	$1,150	89	7%	45 min (Hot Springs)
Aberdeen	$209,000	$875	91	5.7%	3 hours (Sioux Falls)
Brookings	$265,000	$1,300	93	4.2%	60 min
Watertown	$210,000	$900	80	5%	90 min
Spearfish	$240,000	$1,025	88	6%	60 min
Mitchell	$195,000	$850	86	6%	70 min
Pierre	$215,000	$900	87	6%	2.5 hours
Yankton	$200,000	$875	85	6%	90 min
Vermillion	$180,000	$850	84	5%	60 min

By Budget

Most Affordable Cities

Vermillion: $180,000 median home | 16% below national average
Mitchell: $195,000 | 14% below national average
Yankton: $200,000 | 15% below national average

Mid-Range Cities

Aberdeen: $209,000
Watertown: $210,000
Pierre: $215,000
Spearfish: $240,000

These cities balance affordability with access to amenities. Aberdeen and Watertown have VA clinics in town. Spearfish offers mountain living at reasonable cost.

Premium Cities

Brookings: $265,000
Rapid City: $285,000
Sioux Falls: $335,000

"Premium" is relative—even Sioux Falls costs less than most U.S. metros. You're paying for job access, VA healthcare, and amenities. Rapid City adds Ellsworth AFB proximity and Black Hills beauty.

By Priority

Best for Job Opportunities

Sioux Falls: Largest job market, diverse economy, 1.7% unemployment
Rapid City: Ellsworth AFB jobs, Monument Health, growing economy
Brookings: Daktronics (2,500 jobs), SDSU, 3M

Best for Veteran Community

Rapid City/Box Elder: 3,800+ military retirees, Ellsworth AFB culture
Sioux Falls: Largest total number of veterans (8,000+)
Aberdeen: Tight-knit community, active VFW/AL

Best for Healthcare Access

Sioux Falls: VA Medical Center in city (full hospital)
Rapid City: VA clinic + Hot Springs VAMC 45 min
Aberdeen/Watertown: VA clinics in town (primary care/mental health)

Best for Families

Sioux Falls: Good schools citywide, low crime (improving), amenities
Brookings: Excellent schools (8/10), safe college town, family-friendly
Spearfish: Top-rated schools (8/10), very safe, outdoor recreation

Best for Retirees

Aberdeen: Low costs, VA clinic in town, quiet lifestyle
Rapid City: Ellsworth AFB access (commissary/BX), outdoor recreation
Watertown: Affordable, VA clinic, lakes region

Regional Analysis

Eastern Metro (Sioux Falls area)

Black Hills (Rapid City area)

Northeast (Aberdeen/Watertown)

Cities: Aberdeen, Watertown Characteristics: Small cities, very affordable, prairie/lakes region, VA clinics Best for: Budget veterans, hunters/anglers, retirees

Central (Pierre/Mitchell)

Southeast (Yankton/Vermillion)

Military Base Proximity

Cities Near Ellsworth AFB

Within 30 Minutes:

Box Elder: 5-10 minutes to gate
Rapid City: 15-25 minutes

Why This Matters:

Commissary/BX access for retirees (save $1,000+/year on groceries)
ID card services
Strong veteran community (3,800+ retirees)
Job opportunities with base contractors (Northrop Grumman, Lockheed Martin)
MWR facilities (gym, golf, bowling, auto hobby shop)

Veteran Population Density

Cities with Highest % Veterans:

Rapid City: 7%
Spearfish: 6%
Aberdeen: 5.7%
Pierre: 6%

What This Means:

Rapid City has the strongest military/veteran culture outside Ellsworth AFB—businesses offer military discounts, community understands military life
Smaller cities (Spearfish, Aberdeen, Pierre) have tight-knit veteran communities even if raw numbers are lower
Sioux Falls has the most total veterans (8,000+) but lower percentage (4-5%)—still, you'll find veteran organizations and events

Financial Analysis

Home Ownership Costs (20-Year)

Sioux Falls ($335,000 home):

Purchase price: $335,000
Down payment (10%): $33,500
Monthly mortgage (30-year, 7% interest): $2,116
Property tax (monthly, 1.54% rate): $430
If 100% disabled (property tax exempt on $200K): Save $257/month on first $200K = $3,084/year
Insurance: $135/month
Total monthly: $2,681 (or $2,424 if 100% disabled with partial exemption)
20-year cost: $643,440 (or $582,000 if 100% disabled)

Rapid City ($285,000 home):

Purchase price: $285,000
Down payment: $28,500
Monthly mortgage: $1,800
Property tax (monthly, 1.37% rate): $325
If 100% disabled: Save $228/month = $2,740/year
Insurance: $120/month
Total monthly: $2,245 (or $2,017 if 100% disabled)
20-year cost: $538,800 (or $484,000 if 100% disabled)

Aberdeen ($209,000 home):

Purchase price: $209,000
Down payment: $20,900
Monthly mortgage: $1,320
Property tax (monthly, 1.25% rate): $218
If 100% disabled: Save $208/month = $2,500/year
Insurance: $100/month
Total monthly: $1,638 (or $1,430 if 100% disabled)
20-year cost: $393,120 (or $343,200 if 100% disabled)

Renting vs Buying Analysis

Break-even point in Sioux Falls:

Rent: $1,130/month = $13,560/year
Own (with mortgage): $32,172/year total costs
Own (100% disabled, partial property tax exemption): $29,088/year

Renting is cheaper short-term. If you're 100% disabled and plan to stay 10+ years, buying builds equity and the property tax exemption helps offset costs.

Break-even in Aberdeen:

Rent: $875/month = $10,500/year
Own: $19,656/year
Own (100% disabled): $17,160/year

With lower costs, buying in Aberdeen makes sense if you plan to stay 5+ years, especially if you're 100% disabled.

Climate & Weather

Best Weather

Rapid City/Spearfish: Drier climate (Black Hills), 300+ sunny days/year, less humid than eastern SD
Sioux Falls/Brookings: Four seasons, but more humid and windier

Harshest Weather

What to expect:

Winter: 10-25°F, snow, wind, occasional blizzards (eastern SD windier)
Spring: Tornado season (April-June), severe thunderstorms
Summer: 80-95°F, humid (eastern SD), dry (western SD)
Fall: Beautiful, mild (best season)

If you hate cold and snow, South Dakota isn't for you. If you can handle seasons, western SD (Rapid City) offers more sunshine and less humidity.

Crime & Safety

Safest Cities:

Spearfish: Very low crime
Brookings: College town safety
Watertown: Small-city low crime
Aberdeen: Safe community

Higher Crime Areas:

Rapid City: 742 violent crimes per 100,000 (double state average of 350), though improving—violence lowest since 2020
Sioux Falls: 5.65 violent crimes per 1,000 (565 per 100,000)—down 13% in 2024, lowest since 2019

Lifestyle Factors

Outdoor Recreation

Best cities for:

Hunting/Fishing: Aberdeen (pheasant capital), Watertown (lakes), Yankton (Missouri River), anywhere in SD (hunting/fishing culture)
Hiking/Biking: Rapid City/Spearfish (Black Hills trails), Sioux Falls (70+ miles bike trails)
Mountain sports: Rapid City/Spearfish (skiing, rock climbing)
Water sports: Watertown (Lake Kampeska), Yankton (Lewis & Clark Lake), Pierre (Missouri River)

Nightlife & Dining

Best scenes:

Sioux Falls: Downtown, Phillips Avenue—breweries, restaurants, live music
Rapid City: Main Street Square, downtown—bars, restaurants, Black Hills culture

Smaller cities have limited nightlife (VFW, local bars, chain restaurants).

Arts & Culture

Sioux Falls: Washington Pavilion (science center, performing arts), SculptureWalk, Levitt at the Falls
Rapid City: Journey Museum, Dahl Arts Center, proximity to Mount Rushmore/Crazy Horse Memorial

What to Avoid

Cities to Skip (or approach with caution):

Far western/northern SD without VA access: Towns in Harding, Perkins, Corson, or Dewey counties are 3+ hours from VA care. If you need regular healthcare, this is isolating and impractical.

Why: Limited healthcare access, no veteran community, few job opportunities.

Better alternatives: If you want rural SD, choose Aberdeen, Watertown, or Spearfish—small enough for that feel, big enough for services and VA clinics.

Moving to South Dakota

One-Time Costs

Moving truck (500 miles): $1,500-$2,500
Deposit + first month rent: $2,200 (Sioux Falls 2BR)
Utility hookups: $200-$300
Vehicle registration: $50-$150 (disabled veterans: $10 annual fee + $7.50 initial mailing)
Total: $4,000-$5,200 to get started

Best Time to Move

Weather: May-September (avoid harsh winter moving)
Housing market: Winter (Nov-Feb) has less competition, better deals
School calendar: July-early August if you have kids (settle before school starts)

Establishing Residency

Get SD driver's license within 90 days of establishing residency
Register vehicle within 90 days
Register to vote: sdsos.gov
Apply for property tax exemption (if 100% disabled) by November 1
File for homestead exemption if you buy a home

Frequently Asked Questions

Q: What's the best city in South Dakota for veterans on a budget?

A: Aberdeen. Median home price is $209,000, cost of living is 9% below national average, and there's a VA clinic in town. You can live comfortably on a modest retirement or disability income.

Q: Which city has the strongest veteran community?

Q: Is Sioux Falls safe for veterans and families?

Q: Can I access Ellsworth AFB commissary and BX as a retiree?

A: Yes. Retirees, 100% disabled veterans, and Medal of Honor recipients have full base access including commissary and exchange. You'll save 20-30% on groceries compared to civilian stores.

Q: Which city is best for veterans attending college?

Q: How far am I from VA healthcare in smaller cities?

Q: What's the job market like for veterans in South Dakota?

A: Excellent. SD has the lowest unemployment rate in America (1.8% in 2024). Sioux Falls and Rapid City offer the most diverse job markets. State jobs offer 5-10 point veteran preference.

Q: Are there veteran-specific home loan benefits in South Dakota?

Q: What's the cost of living difference between Sioux Falls and Aberdeen?

Q: Is tornado risk a real concern?

Q: Can I hunt and fish easily in South Dakota?

Q: Which city is best for retirees who want low costs and VA access?

A: Aberdeen. You get VA clinic in town, very affordable housing ($209K), low cost of living, and a quiet, safe community. Watertown is similar (VA clinic, affordable, lakes region).

Q: Does the no income tax benefit apply if I move to South Dakota?

Last updated: 2025. Housing prices and cost of living data reflect 2024-2025 market conditions. Verify current costs before moving.