The typical owner-occupied home in North Sioux City is worth about $269,800, 5% above the South Dakota median of $257,400 and 19% below the national median of $332,700. Owners pay a median $2,645 a year in property taxes, about 0.98% of their home's value, lower than the South Dakota rate of 1.06%. The median household earns $71,908 a year, so the median home costs 3.8 times the median income (3.4 times for South Dakota). 49% of occupied homes here are lived in by their owners, and 63% of those owners still have a mortgage.
North Sioux City at a glance
| North Sioux City | South Dakota | U.S. | |
|---|---|---|---|
| Median home value | $269,800 | $257,400 | $332,700 |
| Median property tax paid per year | $2,645 | $2,724 | $3,119 |
| Property tax as a share of value | 0.98% | 1.06% | 0.94% |
| Median household income | $71,908 | $75,081 | $80,734 |
| Homes lived in by their owners | 49% | 69% | 65% |
| Owner homes with a mortgage | 63% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $2,065 | $1,680 | $1,963 |
| Those costs as a share of the owners' income | 21.2% | 20.4% | 21.0% |
| Median rent | $1,098 | $946 | $1,413 |
| Rent as a share of renters' income | 28.3% | 25.9% | 30.6% |
| Median year homes were built | 1997 | 1980 | 1980 |
| Vacant homes | 3.2% | 10.5% | 10.1% |
| Population | 3,045 | 907,428 | 334,922,499 |
What a typical home costs per month in North Sioux City
At this week's average 30-year rate of 7.11%, buying the median North Sioux City home of $269,800 with 20% down costs about $1,785 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,234, 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 $76,488 for the 20%-down payment. That payment is 30% of the median North Sioux City household income of $71,908; at that income and 20% down, the 28% guideline points to a home of about $254,000.
The median rent here is $1,098 a month, so owning the median home costs about $687 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $53,960 |
|---|---|
| Loan amount | $215,840 |
| Principal and interest | $1,452 |
| Property taxes (0.98% a year) | $220 |
| Homeowners insurance (our estimate, 0.5% a year) | $112 |
| PMI | $0 |
| Total per month | $1,785 |
Change the numbers in the calculator
| Down payment | $9,443 |
|---|---|
| Loan amount | $264,913 |
| Principal and interest | $1,782 |
| Property taxes (0.98% a year) | $220 |
| Homeowners insurance (our estimate, 0.5% a year) | $112 |
| FHA mortgage insurance | $119 |
| Total per month | $2,234 |
Change the numbers in the calculator
Questions about home buying in North Sioux City
What is the median home value in North Sioux City?
About $269,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in North Sioux City?
Homeowners pay a median $2,645 a year, which is about 0.98% 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 North Sioux City?
For the median home with 20% down at 7.11%, the payment is about $1,785 a month. Keeping that under 28% of gross income takes about $76,488 a year.
More about North Sioux City
- Mortgage Refinance in North Sioux City
- Debt Relief in North Sioux City
- Home Equity Loans in North Sioux City
- 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