Total monthly cost of ownership
Cost to Own a Home in Winner, South Dakota
A $124,000 home here costs
$1,161per 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 $50,000 a year.
A standard mortgage calculator would have told you $676. The real number is $485 higher every month, 72% more than the payment most buyers budget for.
Compare Tripp County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Winner from a five-year rolling sample, and with about 2,900 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 Tripp 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.
Winner against Tripp County and South Dakota
| Measure | Winner | Tripp County |
|---|---|---|
| Median home value | $124,000 | $137,100 |
| Median property tax | $1,274 | $1,237 |
| Effective tax rate | 1.027% | 0.902% |
| Median gross rent | $821 | $809 |
| Population | 2,900 | 5,607 |
The weather behind that power bill
Winner sits in Tripp County, which averages a high of 89.6°F in its hottest month and a low of 14.5°F in its coldest, with 19.45" of precipitation a year and 49% of it in a single three-month stretch. That climate drives 1,062 cooling and 6,421 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Tripp County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Tripp County
No other places of this size are published in Tripp County.
Full Tripp County cost breakdown · Every county in South Dakota
Talk to someone who works this market
These are Winner 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 Winner every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Winner I already own here and may sell
Common questions
How much does it cost to own a home in Winner?
A $124,000 home in Winner, South Dakota costs approximately $1,161 per month with 20% down at 7.24%. That is $676 principal and interest, $106 property tax, $57 homeowners insurance, $219 utilities and $103 set aside for maintenance.
What is the property tax rate in Winner?
Winner has an effective property tax rate of 1.027%, based on a median home value of $124,000 and median real estate taxes of $1,274. That is higher than the Tripp County average of 0.902%.
What is the average home price in Winner?
The median owner-occupied home value in Winner, South Dakota is $124,000, against $137,100 across Tripp County.
Is it cheaper to rent or buy in Winner?
Median gross rent in Winner is $821 a month, against $1,161 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 Winner?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Winner, South Dakota at today's rate takes a household income of roughly $50,000 a year. That covers the full $1,161 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Winner, 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.