Safe Rate Local

Mortgage Rates in Charles Mix County, SD

7.168%APR 7.201% · $1,095/mo (20% Down)
Updated daily · May 22, 2026+0.218% (14d)
Safe Rate Choice20% Down Conv.
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14-Day Rate Trend
+0.218%
LO 6.920%HI 7.168%TODAY 7.168%
ProductRate / APR Mo. Payment Points
15-Year Refi
15-year fixed refinance
0% Down740 FICO15-yr
6.302%
6.353% APR
$1,262
Principal & Interest
$0 Points
FHA Streamline
FHA streamline refinance
+$89/mo MI
0% Down640 FICO30-yr
6.349%
7.120% APR
$1,236
Principal & Interest
$0 Points
VA Cash-Out
VA cash-out refinance
0% Down640 FICO30-yr
6.471%
6.847% APR
$1,271
Principal & Interest
$0 Points
VA IRRRL
VA streamline refinance
0% Down640 FICO30-yr
6.482%
6.636% APR
$1,163
Principal & Interest
$0 Points
Rate/Term Refi
Conventional rate/term refinance
0% Down740 FICO30-yr
7.098%
7.132% APR
$985
Principal & Interest
$0 Points
Cash-Out Refi
Conventional cash-out refinance
0% Down740 FICO30-yr
7.537%
7.572% APR
$1,136
Principal & Interest
$0 Points

Mortgage Rates in Charles Mix County: Local Market Snapshot

Median Home Value
$204,702
2-Yr Appreciation
18.2%
increase
Median Income
$63,907
household
Price-to-Income
3.2x
within reach

Rates updated daily via Safe Rate's pricing engine using live investor rate sheets, calibrated to Charles Mix County's local loan limits and FHFA market data. Your actual rate depends on credit score, down payment, and lender.

Frequently Asked Questions

Market Snapshot

FIPS 46023
Average Home Value
$204,702
Average Rent
$740/mo
Average Income
$63,907
Property Tax
$1,867/yr
Avg Loan
$146,667
Avg LTV
72.5%

Estimated Insurance

Homeowners Insurance
HO-3 policy · covers dwelling, property & liability
$98/mo
Flood Insurance$39/mo
Risk TierVery High
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Rates are representative estimates using base pricing sourced from national wholesale lenders. Safe Rate Mortgage is a broker driven platform. Estimated rates incorporate 1.40% lender paid compensation (minimum $2,000, maximum $4,000). At initial launch, no compensation occurs. Demographic and housing data sourced from public HUD and FHFA datasets.