Custer County, South Dakota home prices
Typical home $492,902 · -1.0% in a year · property tax 0.77%
The typical home in Custer County is worth $492,902, 55% more than the South Dakota typical home ($317,874). Values changed -1.0% in the past year and +27.2% over five years. Homeowners here pay a median 0.77% of their home's value in property tax each year ($3,814 on the typical home), versus 1.04% statewide.
Mortgage on the typical Custer County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $98,580 | $394,321 | $2,653 | $0 | $564 | $3,217 | $137,900 |
| 10% down | $49,290 | $443,612 | $2,984 | $185 | $564 | $3,733 | $160,000 |
| 5% down | $24,645 | $468,257 | $3,150 | $195 | $564 | $3,909 | $167,500 |
| 3.5% down (FHA) | $17,252 | $483,974 | $3,256 | $218 | $564 | $4,038 | $173,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.77% 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 |
|---|---|---|---|
| Lawrence County | $442,665 | -0.7% | 0.79% |
| Meade County | $393,336 | +4.5% | 1.01% |
| Lincoln County | $381,169 | +0.7% | 1.15% |
| Pennington County | $363,102 | +1.8% | 1.08% |
| Butte County | $360,624 | +3.7% | 0.93% |
| Union County | $355,956 | +2.7% | 1.1% |
| Hamlin County | $340,142 | +12.2% | 1.11% |
| Codington County | $335,543 | +3.1% | 0.97% |
| Brookings County | $327,004 | +6.1% | 1.13% |
| Minnehaha County | $325,224 | +1.3% | 1.14% |
Frequently asked questions
What is the average home price in Custer County, SD?
The typical home value in Custer County is $492,902 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Custer County?
About $137,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Custer County?
The median effective rate is 0.77% of home value a year (Census ACS 2024 5-year estimates).