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Learn about the people, housing, costs and businesses in Garden, 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 Garden.
True all-in cost — P&I, taxes, insurance & utilities for homes in Garden.
Find and compare lenders active near Garden.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Garden.
Seismic risk and earthquake insurance estimates for Garden.
Wildfire exposure and insurance estimates for Garden.
As of today, the 30-year fixed mortgage rate for Garden is approximately 6.998% (7.038% 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 GardenThe median home value in Garden is $158k. The median monthly rent is $782. Annual property taxes average $1k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Based on a typical all-in ownership cost of $762/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 Garden is $71k/year.
Calculate your buying powerThe largest employment sectors in Garden are public administration (29%) and healthcare (16%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.