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South Dakota Mortgage Calculator

Estimate your true cost of homeownership in South Dakota with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,136
P&I Payment$1,557
Taxes & Ins$361
Utilities$218
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Mortgage Details

$307,836
Local Median: $307,836
$61,567 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$2,136

Monthly Breakdown

Principal & Interest
$1,557
Property Taxes
$234
Homeowners Ins.
$128
Utilities
$218

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$314,102

Local Housing Facts for South Dakota

  • ·Median home value: $307,836 (adjusted for current market conditions)
  • ·Est. property taxes: $2,802/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,532/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,618/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in South Dakota?

Based on the local median home value, estimated real estate property taxes in South Dakota are around $2,802 per year.

What is the average home price in South Dakota?

The median home value in South Dakota is currently estimated at $307,836.

How much does homeowners insurance cost in South Dakota?

For a median priced home, homeowners insurance in South Dakota averages around $1,532 annually.

What is the true total cost of owning a home in South Dakota?

True homeownership costs go beyond principal and interest. In South Dakota, a typical homeowner with a median-priced home of $307,836 can expect to pay roughly $2,802/yr in property taxes, $1,532/yr for homeowners insurance, and $2,618/yr in energy utilities. That adds approximately $579 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.