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Learn about the people, housing, costs and businesses in Stephan, 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 Stephan.
True all-in cost — P&I, taxes, insurance & utilities for homes in Stephan.
Find and compare lenders active near Stephan.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Stephan.
Seismic risk and earthquake insurance estimates for Stephan.
Wildfire exposure and insurance estimates for Stephan.
As of today, the 30-year fixed mortgage rate for Stephan is approximately 6.897% (6.933% 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 StephanThe median home value in Stephan is $182k. The median monthly rent is $836. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Based on a typical all-in ownership cost of $821/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $35k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Stephan is $73k/year.
Calculate your buying powerThe largest employment sectors in Stephan are agriculture and mining (17%) and public administration (14%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.