Clark County, South Dakota home prices
Typical home $208,648 · -2.2% in a year · property tax 0.88%
The typical home in Clark County is worth $208,648, 34% less than the South Dakota typical home ($317,874). Values changed -2.2% in the past year and +19.4% over five years. Homeowners here pay a median 0.88% of their home's value in property tax each year ($1,830 on the typical home), versus 1.04% statewide.
Mortgage on the typical Clark County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $41,730 | $166,918 | $1,123 | $0 | $257 | $1,380 | $59,100 |
| 10% down | $20,865 | $187,783 | $1,263 | $78 | $257 | $1,598 | $68,500 |
| 5% down | $10,432 | $198,215 | $1,333 | $83 | $257 | $1,673 | $71,700 |
| 3.5% down (FHA) | $7,303 | $204,869 | $1,378 | $92 | $257 | $1,727 | $74,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.88% 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.
What it takes: see what you can afford by salary in South Dakota.
South Dakota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Potter County | $210,868 | +1.3% | 1.42% |
| Tripp County | $195,710 | +4.6% | 0.95% |
| Edmunds County | $222,665 | +5.2% | 0.8% |
| 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% |
| Harding County | $227,589 | +14.6% | 1.12% |
| Roberts County | $228,684 | +12.2% | 0.97% |
| Hutchinson County | $230,600 | +10.7% | 1.15% |
Frequently asked questions
What is the average home price in Clark County, SD?
The typical home value in Clark County is $208,648 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Clark County?
About $59,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Clark County?
The median effective rate is 0.88% of home value a year (Census ACS 2024 5-year estimates).