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 7.03% (30-yr fixed), including South Dakota property tax and insurance. Data through 2026-08.

1. Huron — typical home $181K, income to buy about $54,000/yr
2. Aberdeen — typical home $244K, income to buy about $73,000/yr
3. Mitchell — typical home $255K, income to buy about $76,000/yr
4. Yankton — typical home $276K, income to buy about $82,000/yr
5. Vermillion — typical home $276K, income to buy about $82,000/yr
6. Pierre — typical home $300K, income to buy about $89,000/yr
7. Watertown — typical home $315K, income to buy about $94,000/yr
8. Brookings — typical home $325K, income to buy about $97,000/yr
9. Sioux Falls — typical home $332K, income to buy about $99,000/yr
10. Rapid City — typical home $362K, income to buy about $108,000/yr
11. Box Elder — typical home $367K, income to buy about $109,000/yr
12. Brandon — typical home $395K, income to buy about $117,000/yr
13. Spearfish — typical home $456K, income to buy about $135,000/yr

At the other end, South Dakota's priciest markets: Spearfish ($135,000/yr), Brandon ($117,000/yr), Box Elder ($109,000/yr), Rapid City ($108,000/yr), Sioux Falls ($99,000/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.