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Learn about the people, housing, costs and businesses across South Dakota
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in South Dakota.
True all-in cost — P&I, taxes, insurance & utilities for homes in South Dakota.
Find and compare lenders active near South Dakota.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for South Dakota.
Seismic risk and earthquake insurance estimates for South Dakota.
Wildfire exposure and insurance estimates for South Dakota.
Cost of living, demographics, and community profile
Mortgage rates for South Dakota are updated daily on Safe Rate using live investor pricing. Rates depend on your credit score, loan type (Conventional, FHA, VA, Jumbo), and down payment. A 30-year fixed rate is the most common product for home purchases.
View current rates for South DakotaThe median home value in South Dakota is $259k. The median monthly rent is $964. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in South Dakota have increased 13.9% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,061/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $45k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in South Dakota is $78k/year.
Calculate your buying powerThe largest employment sectors in South Dakota are public administration (25%) and retail (10%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.