Total monthly cost of ownership
Cost to Own a Home in Belle Fourche, South Dakota
A $189,000 home here costs
$1,607per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $972. The real number is $636 higher every month — 65% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Belle Fourche against Butte County and South Dakota
| Measure | Belle Fourche | Butte County |
|---|---|---|
| Median home value | $188,800 | $207,700 |
| Median property tax | $2,183 | $2,197 |
| Effective tax rate | 1.156% | 1.058% |
| Median gross rent | $947 | $940 |
| Population | 5,741 | 10,538 |
The weather behind that power bill
Belle Fourche sits in Butte County, which averages a high of 85.8°F in its hottest month and a low of 9.8°F in its coldest, with 16.65" of precipitation a year and 51% of it in a single three-month stretch. That climate drives 613 cooling and 7,618 heating degree days, which is what sets the $141 electricity line above.
See the full climate breakdown for Butte County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Butte County
No other places of this size are published in Butte County.
Full Butte County cost breakdown · Every county in South Dakota
Common questions
How much does it cost to own a home in Belle Fourche?
A $189,000 home in Belle Fourche, South Dakota costs approximately $1,607 per month with 20% down at 6.66%. That is $972 principal and interest, $182 property tax, $87 homeowners insurance, $209 utilities and $158 set aside for maintenance.
What is the property tax rate in Belle Fourche?
Belle Fourche has an effective property tax rate of 1.156%, based on a median home value of $188,800 and median real estate taxes of $2,183. That is higher than the Butte County average of 1.058%.
What is the average home price in Belle Fourche?
The median owner-occupied home value in Belle Fourche, South Dakota is $188,800, against $207,700 across Butte County.
Is it cheaper to rent or buy in Belle Fourche?
Median gross rent in Belle Fourche is $947 a month, against $1,607 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Belle Fourche — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for South Dakota.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.