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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

Lower Brule, SD Housing Affordability Index

Lower Brule, South Dakota has an MBR Housing Affordability Index score of 306.3 (Highly Affordable) as of October 30, 2026, ranking 12th most affordable of 263 scored South Dakota cities, compared with 111.3 statewide and 97.4 nationally. On a median-priced $21,900 home with 20% down, the South Dakota average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $120, or 5% of the city’s $28,750 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Lower Brule 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.

Lower Brule MBR-HAI 306.3 Highly Affordable
Rank in South Dakota 12 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 $21,900 U.S. Census Bureau

Lower Brule is 195.0 points above the South Dakota score. Scores as of October 30, 2026. See the South Dakota index

View Lower Brule Mortgage Rates

What It Takes to Buy in Lower Brule

$120/mo
Principal & Interest
Median home, 20% down, 7.26%
$5,100
Income Needed
To keep the payment at 28% of income
$28,750
Median Household Income
South Dakota: $75,081
0.8x
Price-to-Income Ratio
South Dakota: 3.4x
$225/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,549/yr
Median Property Tax
South Dakota figure
23.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
33.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Lower Brule Ranks in South Dakota

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Cite the Lower Brule Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Lower Brule, South Dakota score: 306.3 (Highly Affordable), ranked 12 of 263 South Dakota cities. monitorbankrates.com/housing-affordability-index/south-dakota/lower-brule”