The typical owner-occupied home in Lower Brule is worth about $21,900, 91% below the South Dakota median of $257,400 and 93% below the national median of $332,700. The median household earns $28,750 a year, so the median home costs 0.8 times the median income (3.4 times for South Dakota). 23% of occupied homes here are lived in by their owners, and 0% of those owners still have a mortgage.
Lower Brule at a glance
| Lower Brule | South Dakota | U.S. | |
|---|---|---|---|
| Median home value | $21,900 | $257,400 | $332,700 |
| Median property tax paid per year | – | $2,724 | $3,119 |
| Median household income | $28,750 | $75,081 | $80,734 |
| Homes lived in by their owners | 23% | 69% | 65% |
| Owner homes with a mortgage | 0% | 54% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,680 | $1,963 |
| Median rent | $475 | $946 | $1,413 |
| Rent as a share of renters' income | 20.6% | 25.9% | 30.6% |
| Median year homes were built | 1977 | 1980 | 1980 |
| Vacant homes | 23.7% | 10.5% | 10.1% |
| Population | 743 | 907,428 | 334,922,499 |
What a typical home costs per month in Lower Brule
At this week's average 30-year rate of 7.11%, buying the median Lower Brule home of $21,900 with 20% down costs about $147 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $184, 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 $6,303 for the 20%-down payment. That payment is 6% of the median Lower Brule household income of $28,750; at that income and 20% down, the 28% guideline points to a home of about $100,000.
The median rent here is $475 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $4,380 |
|---|---|
| Loan amount | $17,520 |
| Principal and interest | $118 |
| Property taxes (1.10% a year) | $20 |
| Homeowners insurance (our estimate, 0.5% a year) | $9 |
| PMI | $0 |
| Total per month | $147 |
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| Down payment | $766 |
|---|---|
| Loan amount | $21,503 |
| Principal and interest | $145 |
| Property taxes (1.10% a year) | $20 |
| Homeowners insurance (our estimate, 0.5% a year) | $9 |
| FHA mortgage insurance | $10 |
| Total per month | $184 |
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Questions about home buying in Lower Brule
What is the median home value in Lower Brule?
About $21,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Lower Brule?
For the median home with 20% down at 7.11%, the payment is about $147 a month. Keeping that under 28% of gross income takes about $6,303 a year.
More about Lower Brule
- Mortgage Refinance in Lower Brule
- Debt Relief in Lower Brule
- Home Equity Loans in Lower Brule
- 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