The typical owner-occupied home in Harding County is worth about $166,100, 35% below the South Dakota median of $257,400 and 50% below the national median of $332,700. Owners pay a median $1,863 a year in property taxes, about 1.12% of their home's value, higher than the South Dakota rate of 1.06%. The median household earns $80,441 a year, so the median home costs 2.1 times the median income (3.4 times for South Dakota). 77% of occupied homes here are lived in by their owners, and 28% of those owners still have a mortgage.
Harding County at a glance
| Harding County | South Dakota | U.S. | |
|---|---|---|---|
| Median home value | $166,100 | $257,400 | $332,700 |
| Median property tax paid per year | $1,863 | $2,724 | $3,119 |
| Property tax as a share of value | 1.12% | 1.06% | 0.94% |
| Median household income | $80,441 | $75,081 | $80,734 |
| Homes lived in by their owners | 77% | 69% | 65% |
| Owner homes with a mortgage | 28% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $1,233 | $1,680 | $1,963 |
| Those costs as a share of the owners' income | 15.8% | 20.4% | 21.0% |
| Median rent | $521 | $946 | $1,413 |
| Rent as a share of renters' income | 9.0% | 25.9% | 30.6% |
| Median year homes were built | 1973 | 1980 | 1980 |
| Vacant homes | 27.6% | 10.5% | 10.1% |
| Population | 1,148 | 907,428 | 334,922,499 |
What a typical home costs per month in Harding County
At this week's average 30-year rate of 7.11%, buying the median Harding County home of $166,100 with 20% down costs about $1,118 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,395, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $47,920 for the 20%-down payment. That payment is 17% of the median Harding County household income of $80,441; at that income and 20% down, the 28% guideline points to a home of about $279,000.
The median rent here is $521 a month, so owning the median home costs about $597 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $33,220 |
|---|---|
| Loan amount | $132,880 |
| Principal and interest | $894 |
| Property taxes (1.12% a year) | $155 |
| Homeowners insurance (our estimate, 0.5% a year) | $69 |
| PMI | $0 |
| Total per month | $1,118 |
Change the numbers in the calculator
| Down payment | $5,814 |
|---|---|
| Loan amount | $163,092 |
| Principal and interest | $1,097 |
| Property taxes (1.12% a year) | $155 |
| Homeowners insurance (our estimate, 0.5% a year) | $69 |
| FHA mortgage insurance | $73 |
| Total per month | $1,395 |
Change the numbers in the calculator
Questions about home buying in Harding County
What is the median home value in Harding County?
About $166,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Harding County?
Homeowners pay a median $1,863 a year, which is about 1.12% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Harding County?
For the median home with 20% down at 7.11%, the payment is about $1,118 a month. Keeping that under 28% of gross income takes about $47,920 a year.
More about Harding County
- Mortgage Refinance in Harding County
- Debt Relief in Harding County
- Home Equity Loans in Harding County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data