Local
Learn about the people, housing, costs and businesses in De Smet, 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 De Smet.
True all-in cost — P&I, taxes, insurance & utilities for homes in De Smet.
Find and compare lenders active near De Smet.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for De Smet.
Seismic risk and earthquake insurance estimates for De Smet.
Wildfire exposure and insurance estimates for De Smet.
As of today, the 30-year fixed mortgage rate for De Smet is approximately 7.374% (7.427% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for De SmetThe median home value in De Smet is $167k. The median monthly rent is $725. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in De Smet have increased 44.0% 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 $765/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $33k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in De Smet is $72k/year.
Calculate your buying powerThe largest employment sectors in De Smet are public administration (22%) and retail (16%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.