The typical owner-occupied home in Todd County is worth about $53,900, 79% below the South Dakota median of $257,400 and 84% below the national median of $332,700. Owners pay a median $975 a year in property taxes, about 1.81% of their home's value, higher than the South Dakota rate of 1.06%. The median household earns $42,075 a year, so the median home costs 1.3 times the median income (3.4 times for South Dakota). 46% of occupied homes here are lived in by their owners, and 14% of those owners still have a mortgage.
Todd County at a glance
| Todd County | South Dakota | U.S. | |
|---|---|---|---|
| Median home value | $53,900 | $257,400 | $332,700 |
| Median property tax paid per year | $975 | $2,724 | $3,119 |
| Property tax as a share of value | 1.81% | 1.06% | 0.94% |
| Median household income | $42,075 | $75,081 | $80,734 |
| Homes lived in by their owners | 46% | 69% | 65% |
| Owner homes with a mortgage | 14% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $1,121 | $1,680 | $1,963 |
| Those costs as a share of the owners' income | 19.1% | 20.4% | 21.0% |
| Median rent | $532 | $946 | $1,413 |
| Rent as a share of renters' income | 18.4% | 25.9% | 30.6% |
| Median year homes were built | 1981 | 1980 | 1980 |
| Vacant homes | 11.6% | 10.5% | 10.1% |
| Population | 9,244 | 907,428 | 334,922,499 |
What a typical home costs per month in Todd County
At this week's average 30-year rate of 7.11%, buying the median Todd County home of $53,900 with 20% down costs about $394 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $484, 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 $16,878 for the 20%-down payment. That payment is 11% of the median Todd County household income of $42,075; at that income and 20% down, the 28% guideline points to a home of about $134,000.
The median rent here is $532 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $10,780 |
|---|---|
| Loan amount | $43,120 |
| Principal and interest | $290 |
| Property taxes (1.81% a year) | $81 |
| Homeowners insurance (our estimate, 0.5% a year) | $22 |
| PMI | $0 |
| Total per month | $394 |
Change the numbers in the calculator
| Down payment | $1,886 |
|---|---|
| Loan amount | $52,924 |
| Principal and interest | $356 |
| Property taxes (1.81% a year) | $81 |
| Homeowners insurance (our estimate, 0.5% a year) | $22 |
| FHA mortgage insurance | $24 |
| Total per month | $484 |
Change the numbers in the calculator
Questions about home buying in Todd County
What is the median home value in Todd County?
About $53,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Todd County?
Homeowners pay a median $975 a year, which is about 1.81% 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 Todd County?
For the median home with 20% down at 7.11%, the payment is about $394 a month. Keeping that under 28% of gross income takes about $16,878 a year.
More about Todd County
- Mortgage Refinance in Todd County
- Debt Relief in Todd County
- Home Equity Loans in Todd 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