The most affordable cities to buy a house in South Dakota (2026)

Every South Dakota city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 6.76% (30-yr fixed), including South Dakota property tax and insurance. Data through 2026-07.

1. Huron — typical home $181K, income to buy about $53,000/yr
2. Aberdeen — typical home $246K, income to buy about $72,000/yr
3. Mitchell — typical home $257K, income to buy about $75,000/yr
4. Vermillion — typical home $277K, income to buy about $81,000/yr
5. Yankton — typical home $279K, income to buy about $81,000/yr
6. Pierre — typical home $303K, income to buy about $88,000/yr
7. Watertown — typical home $316K, income to buy about $92,000/yr
8. Brookings — typical home $328K, income to buy about $95,000/yr
9. Sioux Falls — typical home $336K, income to buy about $98,000/yr
10. Rapid City — typical home $367K, income to buy about $107,000/yr
11. Box Elder — typical home $371K, income to buy about $108,000/yr
12. Brandon — typical home $398K, income to buy about $116,000/yr
13. Spearfish — typical home $461K, income to buy about $134,000/yr

At the other end, South Dakota's priciest markets: Spearfish ($134,000/yr), Brandon ($116,000/yr), Box Elder ($108,000/yr), Rapid City ($107,000/yr), Sioux Falls ($98,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

i wanna buy a house .com — type a city, see its market, find out what you can afford.