Total monthly cost of ownership
Cost to Own a Home in Huron, South Dakota
A $165,000 home here costs
$1,490per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $64,000 a year.
A standard mortgage calculator would have told you $900. The real number is $590 higher every month, 66% more than the payment most buyers budget for.
Compare Beadle County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Huron against Beadle County and South Dakota
| Measure | Huron | Beadle County |
|---|---|---|
| Median home value | $164,700 | $178,400 |
| Median property tax | $1,896 | $1,879 |
| Effective tax rate | 1.151% | 1.053% |
| Median gross rent | $839 | $834 |
| Population | 14,347 | 19,279 |
The weather behind that power bill
Huron sits in Beadle County, which averages a high of 85.7°F in its hottest month and a low of 6.2°F in its coldest, with 23.32" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 752 cooling and 7,683 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Beadle County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Beadle County
No other places of this size are published in Beadle County.
Full Beadle County cost breakdown · Every county in South Dakota
Talk to someone who works this market
These are Huron averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Huron every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Huron?
A $165,000 home in Huron, South Dakota costs approximately $1,490 per month with 20% down at 7.24%. That is $900 principal and interest, $158 property tax, $76 homeowners insurance, $219 utilities and $138 set aside for maintenance.
What is the property tax rate in Huron?
Huron has an effective property tax rate of 1.151%, based on a median home value of $164,700 and median real estate taxes of $1,896. That is higher than the Beadle County average of 1.053%.
What is the average home price in Huron?
The median owner-occupied home value in Huron, South Dakota is $164,700, against $178,400 across Beadle County.
Is it cheaper to rent or buy in Huron?
Median gross rent in Huron is $839 a month, against $1,490 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Huron?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Huron, South Dakota at today's rate takes a household income of roughly $64,000 a year. That covers the full $1,490 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Huron, 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.