How much house can I afford on $70,000 in South Dakota?
About $242,000 with 20% down ($194,000 with an FHA loan), using South Dakota's 1.04% property tax rate.
That is $75,712 less than the typical South Dakota home ($317,874), so on $70,000 you'd look at cheaper areas or a smaller home. The payment of $1,633 covers $1,303 principal and interest, $209 property tax and $121 insurance.
Counties in South Dakota you can afford on $70,000
21 of 50 counties have a typical home value at or below $242,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Grant County | $241,790 | +10.1% | 0.91% |
| Marshall County | $237,533 | +7.1% | 0.87% |
| Sanborn County | $236,814 | +2.8% | 1.17% |
| Jerauld County | $235,678 | +4.8% | 0.84% |
| Hutchinson County | $230,600 | +10.7% | 1.15% |
| Roberts County | $228,684 | +12.2% | 0.97% |
| Harding County | $227,589 | +14.6% | 1.12% |
| Edmunds County | $222,665 | +5.2% | 0.8% |
| Potter County | $210,868 | +1.3% | 1.42% |
| Clark County | $208,648 | -2.2% | 0.88% |
| Tripp County | $195,710 | +4.6% | 0.95% |
| Campbell County | $191,493 | +9.2% | 1.18% |
| Miner County | $191,455 | +0.6% | 0.92% |
| Bennett County | $191,335 | +8.4% | 0.98% |
| Beadle County | $190,822 | +3.0% | 1.09% |
| Spink County | $171,479 | +11.2% | 1.28% |
| Bon Homme County | $167,171 | +5.6% | 1.27% |
| Perkins County | $158,791 | -0.7% | 1.29% |
| Corson County | $155,734 | +1.3% | 1.45% |
| Walworth County | $132,385 | -0.0% | 1.31% |
| Jackson County | $128,953 | -2.7% | 0.65% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 1.04% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in South Dakota
Frequently asked questions
How much house can I afford on $70,000 in South Dakota?
About $242,000 with 20% down at 7.11%, keeping the payment (with South Dakota's 1.04% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in South Dakota?
Not the typical home: the typical South Dakota home is worth $317,874 (Zillow, September 2026) and $70,000 supports about $242,000. 21 of 50 counties are within budget.