Total monthly cost of ownership
Cost to Own a Home in Rosebud, South Dakota
A $57,000 home here costs
$709per 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 $30,500 a year.
A standard mortgage calculator would have told you $311. The real number is $398 higher every month, 128% more than the payment most buyers budget for.
Compare Todd County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Rosebud from a five-year rolling sample, and with about 1,710 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Todd County figures are drawn from a far larger sample if you want a steadier number.
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 $151 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
Talk to someone who works this market
These are Rosebud 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 Rosebud every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Rosebud I already own here and may sell
Common questions
How much does it cost to own a home in Rosebud?
A $57,000 home in Rosebud, South Dakota costs approximately $709 per month with 20% down at 7.24%. That is $311 principal and interest, $106 property tax, $26 homeowners insurance, $219 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 $709 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 Rosebud?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Rosebud, South Dakota at today's rate takes a household income of roughly $30,500 a year. That covers the full $709 monthly cost, not just the mortgage payment.
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.