Mortgage Calculator for South Dakota
Pre-filled with South Dakota's average home price of $265000, property tax rate of 1.3%, and average insurance of $1600/year. Adjust any value below.
1 Loan Details
2 Monthly Costs (South Dakota averages pre-filled)
Include PMI
Required when down payment < 20%
Estimated Monthly Payment
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Enter your loan details to see your payment
Total Interest Paid
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Over loan lifetime
Total Cost
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Principal + interest
Loan Amount
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Amount financed
Down Payment
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Of home price
Monthly Payment Breakdown
Balance Over Time
Rate Comparison
How your payment changes with different interest rates
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Amortization Schedule
Full month-by-month payment breakdown
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South Dakota Housing Market
South Dakota has no state income tax and a growing economy centered on Sioux Falls. The state's favorable tax environment attracts businesses and retirees, supporting steady demand in the Sioux Falls metro area.
Affordability in South Dakota
South Dakota remains affordable with medians near $265,000. Sioux Falls has seen the strongest appreciation but remains well within reach for households earning $65,000–$75,000 with a conventional mortgage.
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