Safe Rate Local
Learn about the people, housing, costs and businesses across South Dakota
Real local data across mortgage, insurance, natural hazard, and place.
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.
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.
As of today, the 30-year fixed mortgage rate for South Dakota is approximately 6.914% (6.948% 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 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.