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.
South Dakota Affordability Ranking
South Dakota MBR-HAI · 90-Day Trend
Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.
Key Affordability Factors · South Dakota
Source: U.S. Census Bureau American Community Survey and Current Population Survey. Mortgage rate from MBR live rate database.
How South Dakota Ranks Among All States
| Rank | State | MBR-HAI Score | Affordability |
|---|---|---|---|
| ▲ See top 12 states → | |||
| 13 | Ohio | 115.2 | More Affordable Than Avg |
| 14 | South Carolina | 114.9 | More Affordable Than Avg |
| 15 | New Mexico | 114.6 | More Affordable Than Avg |
| 16 | South Dakota You are here | 114.1 | More Affordable Than Avg |
| 17 | Michigan | 111.0 | More Affordable Than Avg |
| 18 | Pennsylvania | 110.6 | More Affordable Than Avg |
| 19 | Nebraska | 109.7 | Near National Average |
| ▼ See all 51 state rankings → | |||
Showing states ranked near South Dakota · May 26, 2026 • View complete national rankings →
Download South Dakota HAI Data
2026-05-26,SD,114.1,100.0,6.503
Daily scores for all 51 states, filter by state or date in Excel or Google Sheets.
All States (CSV)Press & Citation Resources · South Dakota
Ready-to-publish sentences using today's South Dakota data, an email template you can send to clients, and direct contact for press inquiries or custom data requests.
Ready-to-Publish Sentences
Each sentence updates daily with the live South Dakota score. Free for editorial use with attribution to MonitorBankRates.
In South Dakota, the MonitorBankRates (MBR) Housing Affordability Index stood at 114.1 on May 26, 2026, ranking #16 of 51 U.S. states for homeownership affordability and indicating more affordable than avg conditions relative to the national baseline. The state-level reading combines South Dakota's 30-year mortgage rate average of 6.503% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.
“South Dakota's MonitorBankRates (MBR) Housing Affordability Index score of 114.1 places it #16 of 51 nationwide. Above the 100 baseline, that means buyer purchasing power in South Dakota is stronger than the long-run national average computed at a 6.5% mortgage rate. The state's 30-year average is currently 6.503%, and the index outperforms the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. South Dakota: 114.1 (More Affordable Than Avg), rank #16 of 51 states. 30-yr mortgage avg: 6.50%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/south-dakota/
Housing affordability in South Dakota is currently sitting at 114.1 on the MonitorBankRates (MBR) Housing Affordability Index, ranking it #16 of 51 U.S. states. With 100 representing the long-term national baseline at a 6.5% reference rate, South Dakota's 30-year mortgage rate of 6.50% reflects more affordable than avg conditions for local buyers. The state outperforms the national average as a whole.
Mortgage Broker Email Template
Pre-written client update for South Dakota homebuyers. Personalize the bracketed fields and send.
For Press & Researchers
The South Dakota MBR-HAI is free to cite for editorial, academic, and policy use with attribution. We're happy to provide additional support:
- Custom data cuts: South Dakota metros, MSAs, or historical slices on request
- Embargo-friendly releases: give us 24 hours notice for scheduled coverage
- Background interviews: methodology, market context, or commentary on rate moves
- Direct contact: contact form or reply to any address listed there
For our published citation history and recent media mentions, see MBR in the Press.
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