The typical owner-occupied home in Rosebud is worth about $81,300, 68% below the South Dakota median of $257,400 and 76% below the national median of $332,700. The median household earns $55,135 a year, so the median home costs 1.5 times the median income (3.4 times for South Dakota). 33% of occupied homes here are lived in by their owners, and 14% of those owners still have a mortgage.
Rosebud at a glance
| Rosebud | South Dakota | U.S. | |
|---|---|---|---|
| Median home value | $81,300 | $257,400 | $332,700 |
| Median property tax paid per year | – | $2,724 | $3,119 |
| Median household income | $55,135 | $75,081 | $80,734 |
| Homes lived in by their owners | 33% | 69% | 65% |
| Owner homes with a mortgage | 14% | 54% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,680 | $1,963 |
| Median rent | $709 | $946 | $1,413 |
| Rent as a share of renters' income | 16.8% | 25.9% | 30.6% |
| Median year homes were built | 1979 | 1980 | 1980 |
| Vacant homes | 8.3% | 10.5% | 10.1% |
| Population | 1,659 | 907,428 | 334,922,499 |
What a typical home costs per month in Rosebud
At this week's average 30-year rate of 7.11%, buying the median Rosebud home of $81,300 with 20% down costs about $546 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $681, 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 $23,397 for the 20%-down payment. That payment is 12% of the median Rosebud household income of $55,135; at that income and 20% down, the 28% guideline points to a home of about $192,000.
The median rent here is $709 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $16,260 |
|---|---|
| Loan amount | $65,040 |
| Principal and interest | $438 |
| Property taxes (1.10% a year) | $75 |
| Homeowners insurance (our estimate, 0.5% a year) | $34 |
| PMI | $0 |
| Total per month | $546 |
Change the numbers in the calculator
| Down payment | $2,846 |
|---|---|
| Loan amount | $79,827 |
| Principal and interest | $537 |
| Property taxes (1.10% a year) | $75 |
| Homeowners insurance (our estimate, 0.5% a year) | $34 |
| FHA mortgage insurance | $36 |
| Total per month | $681 |
Change the numbers in the calculator
Questions about home buying in Rosebud
What is the median home value in Rosebud?
About $81,300 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 Rosebud?
For the median home with 20% down at 7.11%, the payment is about $546 a month. Keeping that under 28% of gross income takes about $23,397 a year.
More about Rosebud
- Mortgage Refinance in Rosebud
- Debt Relief in Rosebud
- Home Equity Loans in Rosebud
- 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