Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in South Dakota
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
South Dakota ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Oglala Lakota County | $296 | $45,600 | 0.436% |
| 2 | Todd County | $363 | $45,200 | 2.226% |
| 3 | Mellette County | $382 | $63,000 | 1.529% |
| 4 | Corson County | $398 | $73,800 | 1.337% |
| 5 | Ziebach County | $402 | $101,700 | 0.585% |
| 6 | Dewey County | $402 | $75,400 | 1.338% |
| 7 | McPherson County | $424 | $78,400 | 1.554% |
| 8 | Buffalo County | $431 | $108,000 | 0.781% |
| 9 | Campbell County | $440 | $87,900 | 1.440% |
| 10 | Faulk County | $460 | $124,100 | 0.762% |
| 11 | Miner County | $474 | $114,100 | 1.108% |
| 12 | Perkins County | $475 | $105,900 | 1.327% |
| 13 | Jones County | $485 | $117,100 | 1.159% |
| 14 | Jerauld County | $486 | $127,000 | 0.954% |
| 15 | Spink County | $501 | $117,400 | 1.311% |
| 16 | Tripp County | $501 | $137,100 | 0.902% |
| 17 | Bon Homme County | $501 | $120,300 | 1.246% |
| 18 | Aurora County | $504 | $129,000 | 1.080% |
| 19 | Douglas County | $504 | $125,000 | 1.173% |
| 20 | Gregory County | $506 | $129,000 | 1.100% |
| 21 | Potter County | $516 | $121,300 | 1.371% |
| 22 | Bennett County | $518 | $138,600 | 1.027% |
| 23 | Clark County | $520 | $141,900 | 0.981% |
| 24 | Roberts County | $522 | $139,100 | 1.050% |
| 25 | Marshall County | $522 | $147,200 | 0.908% |
| 26 | Haakon County | $527 | $153,200 | 0.847% |
| 27 | Hand County | $532 | $152,100 | 0.903% |
| 28 | Hyde County | $532 | $134,500 | 1.227% |
| 29 | Walworth County | $544 | $130,000 | 1.435% |
| 30 | Harding County | $545 | $156,400 | 0.934% |
| 31 | Sanborn County | $546 | $138,500 | 1.264% |
| 32 | Edmunds County | $550 | $163,600 | 0.866% |
| 33 | Day County | $554 | $155,100 | 1.030% |
| 34 | Lyman County | $555 | $156,500 | 1.010% |
| 35 | Kingsbury County | $559 | $159,600 | 0.995% |
| 36 | Deuel County | $576 | $180,100 | 0.820% |
| 37 | Hutchinson County | $577 | $160,500 | 1.117% |
| 38 | Grant County | $580 | $179,400 | 0.851% |
| 39 | Charles Mix County | $591 | $169,200 | 1.077% |
| 40 | Fall River County | $605 | $176,300 | 1.064% |
| 41 | Beadle County | $608 | $178,400 | 1.053% |
| 42 | Sully County | $619 | $198,700 | 0.854% |
| 43 | Brule County | $632 | $205,500 | 0.849% |
| 44 | Hanson County | $634 | $192,400 | 1.025% |
| 45 | Stanley County | $642 | $169,900 | 1.426% |
| 46 | Turner County | $650 | $199,000 | 1.041% |
| 47 | Davison County | $663 | $190,000 | 1.243% |
| 48 | Butte County | $672 | $207,700 | 1.058% |
| 49 | Moody County | $673 | $206,300 | 1.081% |
| 50 | Hamlin County | $678 | $207,700 | 1.090% |
| 51 | McCook County | $679 | $217,300 | 0.982% |
| 52 | Yankton County | $685 | $208,200 | 1.127% |
| 53 | Codington County | $695 | $218,000 | 1.060% |
| 54 | Brown County | $708 | $212,900 | 1.199% |
| 55 | Hughes County | $717 | $221,100 | 1.142% |
| 56 | Lake County | $724 | $231,000 | 1.066% |
| 57 | Clay County | $747 | $221,800 | 1.298% |
| 58 | Brookings County | $772 | $246,300 | 1.135% |
| 59 | Meade County | $812 | $274,800 | 1.033% |
| 60 | Union County | $819 | $269,500 | 1.112% |
| 61 | Minnehaha County | $823 | $266,600 | 1.159% |
| 62 | Pennington County | $824 | $270,400 | 1.128% |
| 63 | Lawrence County | $845 | $310,800 | 0.859% |
| 64 | Custer County | $856 | $327,200 | 0.779% |
| 65 | Lincoln County | $957 | $323,500 | 1.181% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in South Dakota