McCook County, South Dakota home prices
Typical home $290,879 · +5.1% in a year · property tax 1.06%
The typical home in McCook County is worth $290,879, 8% less than the South Dakota typical home ($317,874). Values changed +5.1% in the past year and +29.5% over five years. Homeowners here pay a median 1.06% of their home's value in property tax each year ($3,090 on the typical home), versus 1.04% statewide.
Mortgage on the typical McCook County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $58,176 | $232,703 | $1,565 | $0 | $403 | $1,968 | $84,400 |
| 10% down | $29,088 | $261,791 | $1,761 | $109 | $403 | $2,273 | $97,400 |
| 5% down | $14,544 | $276,335 | $1,859 | $115 | $403 | $2,377 | $101,900 |
| 3.5% down (FHA) | $10,181 | $285,610 | $1,921 | $129 | $403 | $2,453 | $105,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.06% 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 · part of the Sioux Falls metro area.
South Dakota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Turner County | $292,101 | -3.5% | 0.98% |
| Charles Mix County | $288,274 | +8.6% | 1.1% |
| Hughes County | $293,735 | +3.0% | 1.1% |
| Deuel County | $298,508 | +6.2% | 0.82% |
| Clay County | $283,158 | +2.8% | 1.26% |
| Fall River County | $279,704 | +0.0% | 1% |
| Yankton County | $279,512 | +2.4% | 1.06% |
| Stanley County | $302,274 | +0.8% | 1.32% |
| Sully County | $271,237 | -0.2% | 0.83% |
| Lake County | $312,689 | +2.4% | 1.03% |
Frequently asked questions
What is the average home price in McCook County, SD?
The typical home value in McCook County is $290,879 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in McCook County?
About $84,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in McCook County?
The median effective rate is 1.06% of home value a year (Census ACS 2024 5-year estimates).