South Dakota Housing Affordability Index

Daily affordability score for South Dakota compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

South Dakota

116.1

More Affordable Than Avg

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #13 of 51 states

vs. National Average +15.5 points

30-yr Rate Used 6.357%

Median Home Value $257,400

Median Household Income $75,081

View all state rankings →

South Dakota Affordability Ranking

#13 of 51 states — April 10, 2026 More affordable than average

Most Affordable Least Affordable

More affordable than: 38 of 51 states (75%)

Less affordable than: 12 of 51 states (24%)

MBR-HAI Score: 116.1 vs. national 100.6 (+15.5 points)

Nearby States

↑ 10 more affordable states above

#11 ND 118.3

#12 MO 117.6

#13 South Dakota ◀ 116.1

#14 SC 114.8

#15 NM 114.1

↓ 36 less affordable states below

Top 5 Most Affordable

#1 WV 139.9

#2 AR 131.2

#3 AL 129.8

#4 IA 129.6

#5 MS 126.3

Bottom 5 Least Affordable

#47 RI 90.6

#48 NY 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

South Dakota MBR-HAI — 90-Day Trend

South Dakota

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — South Dakota

$257,400

Median Home Value

U.S. median: varies by state

$75,081

Median Household Income

U.S. median: $80,734

3.4x

Price-to-Income Ratio

Home value ÷ income

$1,096/mo

Median Owner Costs

17.5% of income annually

$2,549/yr

Median Property Tax

0.99% effective rate

67.0%

Homeownership Rate

U.S. average: 65.7%

23.2%

Owner Cost Burden

% spending 30%+ of income on housing

6.357%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How South Dakota Ranks Among All States

#13

of 51 states

Least Affordable Most Affordable

South Dakota is more affordable than 76% of U.S. states — More Affordable Than Avg

116.1

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 9 states →
10	Oklahoma	119.5	More Affordable Than Avg
11	North Dakota	118.3	More Affordable Than Avg
12	Missouri	117.6	More Affordable Than Avg
13	South Dakota You are here	116.1	More Affordable Than Avg
14	South Carolina	114.8	More Affordable Than Avg
15	New Mexico	114.1	More Affordable Than Avg
16	Ohio	114.0	More Affordable Than Avg
▼ See all 51 state rankings →

Showing states ranked near South Dakota — April 10, 2026 • View complete national rankings →

Download South Dakota HAI Data

South Dakota History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-10,SD,116.1,100.6,6.357                

Download SD History (CSV)

All 51 States (CSV)

Compare South Dakota to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how South Dakota ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

South Dakota Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in South Dakota.