Housing affordability index in South Dakota
Housing affordability index in South Dakota: puts one number on the housing question: 19.1% of the state's median household income goes to principal and interest on a median-priced home at today's rate.
30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).
Share of income
19.1%
principal + interest
Monthly payment
$1,097
on a $211,160 home
Median income
$68,956
households, ACS 5-year
| Rank | County | Share of income | Monthly P&I |
|---|---|---|---|
| 1 | Lawrence County | 26.5% | $1,392 |
| 2 | Jackson County | 25.9% | $563 |
| 3 | Custer County | 24.2% | $1,531 |
| 4 | Clay County | 23.3% | $1,087 |
| 5 | Pennington County | 22.8% | $1,287 |
| 6 | Meade County | 22.4% | $1,310 |
| 7 | Brookings County | 22% | $1,183 |
| 8 | Minnehaha County | 21% | $1,279 |
| 9 | Butte County | 20.3% | $982 |
| 10 | Davison County | 20% | $925 |
| 11 | Lincoln County | 19.7% | $1,518 |
| 12 | Codington County | 19.6% | $1,073 |
| 13 | Union County | 19.4% | $1,324 |
| 14 | Brule County | 18.1% | $976 |
| 15 | Fall River County | 18% | $823 |
| 16 | Bennett County | 17.8% | $665 |
| 17 | Sully County | 17.8% | $991 |
| 18 | Brown County | 17.7% | $1,041 |
| 19 | Yankton County | 17.2% | $989 |
| 20 | Moody County | 16.9% | $1,008 |
| 21 | Charles Mix County | 16.8% | $848 |
| 22 | Lake County | 16.4% | $1,021 |
| 23 | Haakon County | 16.3% | $723 |
| 24 | Hughes County | 16.1% | $1,125 |
| 25 | McCook County | 15.5% | $967 |
| 26 | Buffalo County | 15.1% | $539 |
| 27 | Turner County | 15.1% | $911 |
| 28 | Beadle County | 14.9% | $790 |
| 29 | Grant County | 14.8% | $875 |
| 30 | Hamlin County | 14.7% | $944 |
| 31 | Day County | 14.6% | $700 |
| 32 | Deuel County | 14.4% | $925 |
| 33 | Clark County | 14.2% | $704 |
| 34 | Gregory County | 14.1% | $567 |
| 35 | Kingsbury County | 14.1% | $775 |
| 36 | Tripp County | 14.1% | $665 |
| 37 | Lyman County | 13.7% | $686 |
| 38 | Roberts County | 13.5% | $664 |
| 39 | Hutchinson County | 13% | $747 |
| 40 | Stanley County | 12.9% | $885 |
| 41 | Hand County | 12.8% | $779 |
| 42 | Faulk County | 12.7% | $599 |
| 43 | Ziebach County | 12.6% | $483 |
| 44 | Walworth County | 12.5% | $602 |
| 45 | Hanson County | 12.3% | $890 |
| 46 | Bon Homme County | 12.2% | $585 |
| 47 | Sanborn County | 12.2% | $669 |
| 48 | Marshall County | 11.9% | $733 |
| 49 | Edmunds County | 11.5% | $739 |
| 50 | Potter County | 11.3% | $674 |
| 51 | Harding County | 11.2% | $666 |
| 52 | Jerauld County | 11% | $611 |
| 53 | Aurora County | 10.5% | $627 |
| 54 | Perkins County | 10.5% | $566 |
| 55 | Spink County | 10.3% | $562 |
| 56 | Jones County | 10.1% | $514 |
| 57 | Douglas County | 10% | $628 |
| 58 | Corson County | 9.8% | $395 |
| 59 | Miner County | 9.4% | $488 |
| 60 | Mellette County | 9.1% | $315 |
| 61 | Oglala Lakota County | 9% | $243 |
| 62 | Hyde County | 8.7% | $505 |
| 63 | Dewey County | 8.5% | $389 |
| 64 | McPherson County | 8.3% | $405 |
| 65 | Campbell County | 7.5% | $417 |
| 66 | Todd County | 7.5% | $210 |
Methodology
Every county figure for South Dakota uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.
The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.
Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.
Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.