Union County, South Dakota home prices
Typical home $355,956 · +2.7% in a year · property tax 1.1%
The typical home in Union County is worth $355,956, 12% more than the South Dakota typical home ($317,874). Values changed +2.7% in the past year and +21.4% over five years. Homeowners here pay a median 1.1% of their home's value in property tax each year ($3,921 on the typical home), versus 1.04% statewide.
Mortgage on the typical Union County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $71,191 | $284,765 | $1,916 | $0 | $505 | $2,420 | $103,700 |
| 10% down | $35,596 | $320,361 | $2,155 | $133 | $505 | $2,793 | $119,700 |
| 5% down | $17,798 | $338,159 | $2,275 | $141 | $505 | $2,920 | $125,200 |
| 3.5% down (FHA) | $12,458 | $349,509 | $2,351 | $157 | $505 | $3,013 | $129,100 |
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 · part of the Sioux City metro area.
South Dakota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Butte County | $360,624 | +3.7% | 0.93% |
| Pennington County | $363,102 | +1.8% | 1.08% |
| Hamlin County | $340,142 | +12.2% | 1.11% |
| Codington County | $335,543 | +3.1% | 0.97% |
| Lincoln County | $381,169 | +0.7% | 1.15% |
| Brookings County | $327,004 | +6.1% | 1.13% |
| Minnehaha County | $325,224 | +1.3% | 1.14% |
| Meade County | $393,336 | +4.5% | 1.01% |
| Moody County | $315,215 | +8.0% | 1.1% |
| Lake County | $312,689 | +2.4% | 1.03% |
Frequently asked questions
What is the average home price in Union County, SD?
The typical home value in Union County is $355,956 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Union County?
About $103,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Union County?
The median effective rate is 1.1% of home value a year (Census ACS 2024 5-year estimates).