Potter County, South Dakota home prices
Typical home $210,868 · +1.3% in a year · property tax 1.42%
The typical home in Potter County is worth $210,868, 34% less than the South Dakota typical home ($317,874). Values changed +1.3% in the past year and — over five years. Homeowners here pay a median 1.42% of their home's value in property tax each year ($2,985 on the typical home), versus 1.04% statewide.
Mortgage on the typical Potter County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $42,174 | $168,694 | $1,135 | $0 | $354 | $1,489 | $63,800 |
| 10% down | $21,087 | $189,781 | $1,277 | $79 | $354 | $1,710 | $73,300 |
| 5% down | $10,543 | $200,324 | $1,348 | $83 | $354 | $1,785 | $76,500 |
| 3.5% down (FHA) | $7,380 | $207,048 | $1,393 | $93 | $354 | $1,840 | $78,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.42% 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 |
|---|---|---|---|
| Clark County | $208,648 | -2.2% | 0.88% |
| Edmunds County | $222,665 | +5.2% | 0.8% |
| Tripp County | $195,710 | +4.6% | 0.95% |
| Harding County | $227,589 | +14.6% | 1.12% |
| Roberts County | $228,684 | +12.2% | 0.97% |
| Campbell County | $191,493 | +9.2% | 1.18% |
| Miner County | $191,455 | +0.6% | 0.92% |
| Bennett County | $191,335 | +8.4% | 0.98% |
| Hutchinson County | $230,600 | +10.7% | 1.15% |
| Beadle County | $190,822 | +3.0% | 1.09% |
Frequently asked questions
What is the average home price in Potter County, SD?
The typical home value in Potter County is $210,868 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Potter County?
About $63,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Potter County?
The median effective rate is 1.42% of home value a year (Census ACS 2024 5-year estimates).