Total monthly cost of ownership
Cost to Own a Home in Gettysburg, South Dakota
A $127,000 home here costs
$1,189per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $653. The real number is $537 higher every month — 82% 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.
Gettysburg against Potter County and South Dakota
| Measure | Gettysburg | Potter County |
|---|---|---|
| Median home value | $127,000 | $121,300 |
| Median property tax | $1,957 | $1,663 |
| Effective tax rate | 1.541% | 1.371% |
| Median gross rent | $939 | $869 |
| Population | 1,344 | 2,430 |
The weather behind that power bill
Gettysburg sits in Potter County, which averages a high of 84.3°F in its hottest month and a low of 5.3°F in its coldest, with 20.17" of precipitation a year and 47% of it in a single three-month stretch. That climate drives 615 cooling and 8,117 heating degree days, which is what sets the $141 electricity line above.
See the full climate breakdown for Potter County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Potter County
No other places of this size are published in Potter County.
Full Potter County cost breakdown · Every county in South Dakota
Common questions
How much does it cost to own a home in Gettysburg?
A $127,000 home in Gettysburg, South Dakota costs approximately $1,189 per month with 20% down at 6.66%. That is $653 principal and interest, $163 property tax, $58 homeowners insurance, $209 utilities and $106 set aside for maintenance.
What is the property tax rate in Gettysburg?
Gettysburg has an effective property tax rate of 1.541%, based on a median home value of $127,000 and median real estate taxes of $1,957. That is higher than the Potter County average of 1.371%.
What is the average home price in Gettysburg?
The median owner-occupied home value in Gettysburg, South Dakota is $127,000, against $121,300 across Potter County.
Is it cheaper to rent or buy in Gettysburg?
Median gross rent in Gettysburg is $939 a month, against $1,189 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 Gettysburg — 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.