Hand County, South Dakota home prices
Typical home $250,964 · +7.9% in a year · property tax 0.89%
The typical home in Hand County is worth $250,964, 21% less than the South Dakota typical home ($317,874). Values changed +7.9% in the past year and +20.0% over five years. Homeowners here pay a median 0.89% of their home's value in property tax each year ($2,226 on the typical home), versus 1.04% statewide.
Mortgage on the typical Hand County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,193 | $200,771 | $1,351 | $0 | $311 | $1,662 | $71,200 |
| 10% down | $25,096 | $225,868 | $1,519 | $94 | $311 | $1,925 | $82,500 |
| 5% down | $12,548 | $238,416 | $1,604 | $99 | $311 | $2,014 | $86,300 |
| 3.5% down (FHA) | $8,784 | $246,419 | $1,658 | $111 | $311 | $2,080 | $89,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.89% 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 |
|---|---|---|---|
| Davison County | $251,322 | +1.0% | 1.23% |
| Brule County | $251,994 | +16.1% | 0.96% |
| Brown County | $244,812 | +5.3% | 1.18% |
| Kingsbury County | $244,163 | +2.4% | 1.01% |
| Grant County | $241,790 | +10.1% | 0.91% |
| Marshall County | $237,533 | +7.1% | 0.87% |
| Day County | $264,912 | +6.3% | 0.98% |
| Sanborn County | $236,814 | +2.8% | 1.17% |
| Jerauld County | $235,678 | +4.8% | 0.84% |
| Sully County | $271,237 | -0.2% | 0.83% |
Frequently asked questions
What is the average home price in Hand County, SD?
The typical home value in Hand County is $250,964 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Hand County?
About $71,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Hand County?
The median effective rate is 0.89% of home value a year (Census ACS 2024 5-year estimates).