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What can you afford in South Dakota?
A baseline estimate for a household earning $96,000 a year gross, with typical debts and expenses, a $40,000 down payment, and a 740-759 credit score — using South Dakota's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
South Dakota's effective property tax rate is around 1.14% of home value per year — the 18th highest in the country. Average homeowner's insurance runs near $2,700/year on a $300,000 home — the 12th highest.
Comfortable
$294,105
Stretch
$340,901
Risky ceiling
$368,979
This baseline's own budget can sustain at least as much as a lender's debt-to-income ceiling allows in South Dakota — the DTI ratio, not the household budget, is what limits the number here.
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