Moody County, South Dakota home prices
Typical home $315,215 · +8.0% in a year · property tax 1.1%
The typical home in Moody County is worth $315,215, about the same as the South Dakota typical home ($317,874). Values changed +8.0% in the past year and +35.9% over five years. Homeowners here pay a median 1.1% of their home's value in property tax each year ($3,479 on the typical home), versus 1.04% statewide.
Mortgage on the typical Moody County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $63,043 | $252,172 | $1,696 | $0 | $448 | $2,144 | $91,900 |
| 10% down | $31,521 | $283,693 | $1,908 | $118 | $448 | $2,474 | $106,000 |
| 5% down | $15,761 | $299,454 | $2,014 | $125 | $448 | $2,587 | $110,900 |
| 3.5% down (FHA) | $11,033 | $309,505 | $2,082 | $139 | $448 | $2,669 | $114,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.1% 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 |
|---|---|---|---|
| Lake County | $312,689 | +2.4% | 1.03% |
| Minnehaha County | $325,224 | +1.3% | 1.14% |
| Brookings County | $327,004 | +6.1% | 1.13% |
| Stanley County | $302,274 | +0.8% | 1.32% |
| Deuel County | $298,508 | +6.2% | 0.82% |
| Codington County | $335,543 | +3.1% | 0.97% |
| Hughes County | $293,735 | +3.0% | 1.1% |
| Turner County | $292,101 | -3.5% | 0.98% |
| McCook County | $290,879 | +5.1% | 1.06% |
| Hamlin County | $340,142 | +12.2% | 1.11% |
Frequently asked questions
What is the average home price in Moody County, SD?
The typical home value in Moody County is $315,215 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Moody County?
About $91,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Moody County?
The median effective rate is 1.1% of home value a year (Census ACS 2024 5-year estimates).