South Dakota Housing Affordability Index
South Dakota’s MBR Housing Affordability Index score is 111.0 (More Affordable Than Avg) as of October 14, 2026, ranking 16th most affordable of 51 states, compared with a national score of 97.1. On a median-priced $257,400 home in South Dakota with 20% down, the current 7.36% 30-year fixed rate means a monthly principal and interest payment of about $1,420, or 23% of the state’s $75,081 median household income.
Daily MBR Housing Affordability Index (MBR-HAI) 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. A score of 100 equals the national average; higher scores mean homeownership is more affordable.
Housing Affordability Across U.S. States
MBR-HAI score for every state as of October 14, 2026, with South Dakota outlined. Green states are more affordable than the national baseline of 100; red states are less affordable. Hover for the rank; click through to any state.
National baseline = 100 (computed at the 6.5% reference rate). Scores update every morning. Hover any state for its rank; click to open that state's page.
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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 | South Carolina | 111.9 | More Affordable Than Avg |
| 14 | Ohio | 111.7 | More Affordable Than Avg |
| 15 | New Mexico | 111.7 | More Affordable Than Avg |
| 16 | South Dakota You are here | 111.0 | More Affordable Than Avg |
| 17 | Michigan | 108.0 | Near National Average |
| 18 | Pennsylvania | 108.0 | Near National Average |
| 19 | Nebraska | 106.2 | Near National Average |
| ▼ See all 51 state rankings → | |||
Showing states ranked near South Dakota · October 14, 2026 • View complete national rankings →
Download South Dakota HAI Data
2026-10-14,SD,111.0,97.1,7.360
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 111.0 on October 14, 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 7.360% 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 111.0 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 7.360%, and the index outperforms the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. South Dakota: 111.0 (More Affordable Than Avg), rank #16 of 51 states. 30-yr mortgage avg: 7.36%. 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 111.0 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 7.36% 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
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