Total monthly cost of ownership
Cost to Own a Home in Rosebud, South Dakota
A $57,000 home here costs
$682per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $293. The real number is $389 higher every month — 133% 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.
Rosebud against Todd County and South Dakota
| Measure | Rosebud | Todd County |
|---|---|---|
| Median home value | $57,000 | $45,200 |
| Median property tax | — | $1,006 |
| Effective tax rate | 2.226% | 2.226% |
| Median gross rent | $588 | $537 |
| Population | 1,710 | 9,293 |
The weather behind that power bill
Rosebud sits in Todd County, which averages a high of 87.4°F in its hottest month and a low of 11.6°F in its coldest, with 20.92" of precipitation a year and 46% of it in a single three-month stretch. That climate drives 779 cooling and 7,107 heating degree days, which is what sets the $141 electricity line above.
See the full climate breakdown for Todd County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Todd County
Full Todd County cost breakdown · Every county in South Dakota
Common questions
How much does it cost to own a home in Rosebud?
A $57,000 home in Rosebud, South Dakota costs approximately $682 per month with 20% down at 6.66%. That is $293 principal and interest, $106 property tax, $26 homeowners insurance, $209 utilities and $48 set aside for maintenance.
What is the property tax rate in Rosebud?
Place-level tax data is not published for Rosebud, so the Todd County rate of 2.226% applies here.
What is the average home price in Rosebud?
The median owner-occupied home value in Rosebud, South Dakota is $57,000, against $45,200 across Todd County.
Is it cheaper to rent or buy in Rosebud?
Median gross rent in Rosebud is $588 a month, against $682 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 Rosebud — 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.