What income do you need to buy a house in Spearfish, SD?
It takes about $133,000/yr to afford the typical Spearfish, SD home ($462K, -1.1% past year) at today's rates. Starter homes run around $337K. See if you can afford a house in Spearfish (2026 data) — free, no signup.
Market snapshot (2026-06)
- Income needed to buy the typical home: about $133,000/yr (28% front-end ratio, 20% down, 6.66% 30-yr fixed, SD property tax and insurance)
- Typical home value: $462K (Zillow ZHVI, 2026-06)
- 1-year change: -1.1%
- Bottom 35% of homes: $337K
- Top 35% of homes start around: $739K
- Typical rent: $1,146/mo
- Median household income: $66K
- Price-to-income ratio: 7.0
- Estimated payment on the typical home: $2,374/mo principal & interest (20% down, 6.66% 30-yr fixed)
Nearby housing markets
The most affordable cities to buy a house in South Dakota
Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.
i wanna buy a house .com — type a city, see its market, find out what you can afford.