Harding County, South Dakota home prices
Typical home $227,589 · +14.6% in a year · property tax 1.12%
The typical home in Harding County is worth $227,589, 28% less than the South Dakota typical home ($317,874). Values changed +14.6% in the past year and — over five years. Homeowners here pay a median 1.12% of their home's value in property tax each year ($2,553 on the typical home), versus 1.04% statewide.
Mortgage on the typical Harding County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,518 | $182,071 | $1,225 | $0 | $327 | $1,551 | $66,500 |
| 10% down | $22,759 | $204,830 | $1,378 | $85 | $327 | $1,790 | $76,700 |
| 5% down | $11,379 | $216,210 | $1,454 | $90 | $327 | $1,871 | $80,200 |
| 3.5% down (FHA) | $7,966 | $223,467 | $1,503 | $101 | $327 | $1,930 | $82,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.12% 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 |
|---|---|---|---|
| Roberts County | $228,684 | +12.2% | 0.97% |
| Hutchinson County | $230,600 | +10.7% | 1.15% |
| Edmunds County | $222,665 | +5.2% | 0.8% |
| Jerauld County | $235,678 | +4.8% | 0.84% |
| Sanborn County | $236,814 | +2.8% | 1.17% |
| Marshall County | $237,533 | +7.1% | 0.87% |
| Grant County | $241,790 | +10.1% | 0.91% |
| Kingsbury County | $244,163 | +2.4% | 1.01% |
| Potter County | $210,868 | +1.3% | 1.42% |
| Brown County | $244,812 | +5.3% | 1.18% |
Frequently asked questions
What is the average home price in Harding County, SD?
The typical home value in Harding County is $227,589 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Harding County?
About $66,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Harding County?
The median effective rate is 1.12% of home value a year (Census ACS 2024 5-year estimates).