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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Keystone, SD Housing Affordability Index

Keystone, South Dakota has an MBR Housing Affordability Index score of 106.8 (Near National Average) as of October 30, 2026, ranking 248th most affordable of 263 scored South Dakota cities, compared with 111.3 statewide and 97.4 nationally. On a median-priced $263,900 home with 20% down, the South Dakota average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $1,441, or 27% of the city’s $64,702 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Keystone is updated every night from live South Dakota mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Keystone MBR-HAI 106.8 Near National Average
Rank in South Dakota 248 of 263 1 = most affordable
South Dakota 111.3 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.26% South Dakota lenders
Median home value $263,900 U.S. Census Bureau

Keystone is 4.6 points below the South Dakota score. Scores as of October 30, 2026. See the South Dakota index

View Keystone Mortgage Rates

What It Takes to Buy in Keystone

$1,441/mo
Principal & Interest
Median home, 20% down, 7.26%
$61,800
Income Needed
To keep the payment at 28% of income
$64,702
Median Household Income
South Dakota: $75,081
4.1x
Price-to-Income Ratio
South Dakota: 3.4x
$773/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,750/yr
Median Property Tax
1.42% of median value
26.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
21.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Keystone, South Dakota. The rate is the South Dakota average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Keystone Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Keystone, South Dakota score: 106.8 (Near National Average), ranked 248 of 263 South Dakota cities. monitorbankrates.com/housing-affordability-index/south-dakota/keystone”