Hartford, SD vs North Spearfish, SD

Hartford is moderately more affordable than North Spearfish, with a 13.5% lower cost of living index. Hartford scores 78 compared to 90 for North Spearfish, where the US average is 100. This difference means residents of North Spearfish can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Hartford is $937/month compared to $1,074/month in North Spearfish — a 13% difference. Home values follow the same pattern: Hartford is more affordable at $223,400 median vs $321,800.

Median household income in Hartford is $95,426 compared to $69,792 in North Spearfish (+36.7%). Hartford offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of Hartford spend roughly 11.8% of their income on rent, less than the 18.5% in North Spearfish.

Climate-wise, Hartford is notably warmer with an average of 47.4°F compared to 41.1°F in North Spearfish. North Spearfish receives more rainfall at 29.2" per year compared to 27.8" in Hartford.