Local costs · South Dakota
What a home costs across South Dakota
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in South Dakota, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,756 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- South Dakota transfer fee: 0.10% of price — seller customarily paysOn the $289,600 state median home, the buyer’s customary share is about $0; the seller customarily covers about $290.
- Title insurance
- South Dakota uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- South Dakota levies no state income tax. These are modeled effective rates from Tax Foundation 2026 brackets.
All 66 counties in South Dakota
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Aurora County | 1.04% | $1,070–$2,380typical $1,640 |
| Beadle County | 1.08% | $1,010–$2,260typical $1,560 |
| Bennett County | 0.98% | $1,800–$4,020typical $2,770 |
| Bon Homme County | 1.27% | $1,090–$2,440typical $1,680 |
| Brookings County | 1.13% | $1,080–$2,410typical $1,660 |
| Brown County | 1.18% | $990–$2,200typical $1,520 |
| Brule County | 0.95% | $1,010–$2,260typical $1,560 |
| Buffalo County | 0.40% | $1,250–$2,780typical $1,920 |
| Butte County | 0.93% | $1,330–$2,960typical $2,040 |
| Campbell County | 1.18% | $1,430–$3,190typical $2,200 |
| Charles Mix County | 1.10% | $1,020–$2,280typical $1,570 |
| Clark County | 0.88% | $960–$2,130typical $1,470 |
| Clay County | 1.26% | $1,220–$2,710typical $1,870 |
| Codington County | 0.97% | $930–$2,070typical $1,430 |
| Corson County | 1.45% | $1,290–$2,870typical $1,980 |
| Custer County | 0.77% | $2,210–$4,930typical $3,400 |
| Davison County | 1.23% | $1,130–$2,520typical $1,740 |
| Day County | 0.97% | $1,040–$2,320typical $1,600 |
| Deuel County | 0.82% | $1,080–$2,410typical $1,660 |
| Dewey County | 1.51% | $1,140–$2,550typical $1,760 |
| Douglas County | 0.99% | $1,100–$2,450typical $1,690 |
| Edmunds County | 0.80% | $1,030–$2,310typical $1,590 |
| Fall River County | 1.00% | $1,660–$3,700typical $2,550 |
| Faulk County | 0.62% | $980–$2,180typical $1,500 |
| Grant County | 0.91% | $920–$2,060typical $1,420 |
| Gregory County | 1.02% | $1,010–$2,260typical $1,560 |
| Haakon County | 0.91% | $1,220–$2,730typical $1,880 |
| Hamlin County | 1.11% | $960–$2,150typical $1,480 |
| Hand County | 0.89% | $1,250–$2,800typical $1,930 |
| Hanson County | 1.03% | $1,170–$2,610typical $1,800 |
| Harding County | 1.12% | $1,720–$3,840typical $2,650 |
| Hughes County | 1.10% | $860–$1,930typical $1,330 |
| Hutchinson County | 1.15% | $1,180–$2,640typical $1,820 |
| Hyde County | 0.96% | $1,470–$3,280typical $2,260 |
| Jackson County | 0.65% | $1,420–$3,180typical $2,190 |
| Jerauld County | 0.84% | $1,200–$2,670typical $1,840 |
| Jones County | 0.94% | $1,120–$2,490typical $1,720 |
| Kingsbury County | 1.00% | $1,050–$2,330typical $1,610 |
| Lake County | 1.03% | $1,140–$2,550typical $1,760 |
| Lawrence County | 0.79% | $1,400–$3,120typical $2,150 |
| Lincoln County | 1.15% | $1,160–$2,580typical $1,780 |
| Lyman County | 0.91% | $990–$2,200typical $1,520 |
| Marshall County | 0.87% | $1,100–$2,450typical $1,690 |
| McCook County | 1.06% | $1,010–$2,250typical $1,550 |
| McPherson County | 1.55% | $1,190–$2,650typical $1,830 |
| Meade County | 1.01% | $1,660–$3,700typical $2,550 |
| Mellette County | 0.98% | $1,350–$3,000typical $2,070 |
| Miner County | 0.92% | $1,070–$2,380typical $1,640 |
| Minnehaha County | 1.14% | $930–$2,070typical $1,430 |
| Moody County | 1.10% | $1,210–$2,700typical $1,860 |
| Oglala Lakota County | 0.38% | $2,850–$6,370typical $4,390 |
| Pennington County | 1.08% | $1,330–$2,970typical $2,050 |
| Perkins County | 1.29% | $1,220–$2,730typical $1,880 |
| Potter County | 1.42% | $890–$1,990typical $1,370 |
| Roberts County | 0.97% | $970–$2,160typical $1,490 |
| Sanborn County | 1.17% | $1,220–$2,710typical $1,870 |
| Spink County | 1.29% | $880–$1,960typical $1,350 |
| Stanley County | 1.32% | $910–$2,030typical $1,400 |
| Sully County | 0.83% | $1,010–$2,260typical $1,560 |
| Todd County | 1.81% | $1,650–$3,680typical $2,540 |
| Tripp County | 0.95% | $1,000–$2,230typical $1,540 |
| Turner County | 0.98% | $1,190–$2,650typical $1,830 |
| Union County | 1.10% | $1,270–$2,840typical $1,960 |
| Walworth County | 1.31% | $1,240–$2,760typical $1,900 |
| Yankton County | 1.06% | $1,240–$2,770typical $1,910 |
| Ziebach County | 0.61% | $1,200–$2,670typical $1,840 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.