Total monthly cost of ownership
Cost to Own a Home in Winner, South Dakota
A $124,000 home here costs
$1,113per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $637. The real number is $476 higher every month — 75% 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.
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 $141 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
Common questions
How much does it cost to own a home in Winner?
A $124,000 home in Winner, South Dakota costs approximately $1,113 per month with 20% down at 6.66%. That is $637 principal and interest, $106 property tax, $57 homeowners insurance, $209 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 $1,113 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 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.