The typical owner-occupied home in Gettysburg is worth about $125,000, 51% below the South Dakota median of $257,400 and 62% below the national median of $332,700. Owners pay a median $2,000 a year in property taxes, about 1.60% of their home's value, higher than the South Dakota rate of 1.06%. The median household earns $63,929 a year, so the median home costs 2.0 times the median income (3.4 times for South Dakota). 80% of occupied homes here are lived in by their owners, and 43% of those owners still have a mortgage.
Gettysburg at a glance
| Gettysburg | South Dakota | U.S. | |
|---|---|---|---|
| Median home value | $125,000 | $257,400 | $332,700 |
| Median property tax paid per year | $2,000 | $2,724 | $3,119 |
| Property tax as a share of value | 1.60% | 1.06% | 0.94% |
| Median household income | $63,929 | $75,081 | $80,734 |
| Homes lived in by their owners | 80% | 69% | 65% |
| Owner homes with a mortgage | 43% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $1,117 | $1,680 | $1,963 |
| Those costs as a share of the owners' income | 15.6% | 20.4% | 21.0% |
| Median rent | $1,051 | $946 | $1,413 |
| Rent as a share of renters' income | 19.6% | 25.9% | 30.6% |
| Median year homes were built | 1962 | 1980 | 1980 |
| Vacant homes | 14.3% | 10.5% | 10.1% |
| Population | 1,260 | 907,428 | 334,922,499 |
What a typical home costs per month in Gettysburg
At this week's average 30-year rate of 7.11%, buying the median Gettysburg home of $125,000 with 20% down costs about $891 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,100, 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 $38,205 for the 20%-down payment. That payment is 17% of the median Gettysburg household income of $63,929; at that income and 20% down, the 28% guideline points to a home of about $209,000.
The median rent here is $1,051 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $25,000 |
|---|---|
| Loan amount | $100,000 |
| Principal and interest | $673 |
| Property taxes (1.60% a year) | $167 |
| Homeowners insurance (our estimate, 0.5% a year) | $52 |
| PMI | $0 |
| Total per month | $891 |
Change the numbers in the calculator
| Down payment | $4,375 |
|---|---|
| Loan amount | $122,736 |
| Principal and interest | $826 |
| Property taxes (1.60% a year) | $167 |
| Homeowners insurance (our estimate, 0.5% a year) | $52 |
| FHA mortgage insurance | $55 |
| Total per month | $1,100 |
Change the numbers in the calculator
Questions about home buying in Gettysburg
What is the median home value in Gettysburg?
About $125,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Gettysburg?
Homeowners pay a median $2,000 a year, which is about 1.60% 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 Gettysburg?
For the median home with 20% down at 7.11%, the payment is about $891 a month. Keeping that under 28% of gross income takes about $38,205 a year.
More about Gettysburg
- Mortgage Refinance in Gettysburg
- Debt Relief in Gettysburg
- Home Equity Loans in Gettysburg
- 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