The typical owner-occupied home in Ziebach County is worth about $99,600, 61% below the South Dakota median of $257,400 and 70% below the national median of $332,700. Owners pay a median $613 a year in property taxes, about 0.62% of their home's value, lower than the South Dakota rate of 1.06%. The median household earns $53,958 a year, so the median home costs 1.8 times the median income (3.4 times for South Dakota). 57% of occupied homes here are lived in by their owners, and 23% of those owners still have a mortgage.
Ziebach County at a glance
| Ziebach County | South Dakota | U.S. | |
|---|---|---|---|
| Median home value | $99,600 | $257,400 | $332,700 |
| Median property tax paid per year | $613 | $2,724 | $3,119 |
| Property tax as a share of value | 0.62% | 1.06% | 0.94% |
| Median household income | $53,958 | $75,081 | $80,734 |
| Homes lived in by their owners | 57% | 69% | 65% |
| Owner homes with a mortgage | 23% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $1,347 | $1,680 | $1,963 |
| Those costs as a share of the owners' income | 13.9% | 20.4% | 21.0% |
| Median rent | $734 | $946 | $1,413 |
| Rent as a share of renters' income | 27.4% | 25.9% | 30.6% |
| Median year homes were built | 1987 | 1980 | 1980 |
| Vacant homes | 16.9% | 10.5% | 10.1% |
| Population | 2,377 | 907,428 | 334,922,499 |
What a typical home costs per month in Ziebach County
At this week's average 30-year rate of 7.11%, buying the median Ziebach County home of $99,600 with 20% down costs about $629 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $795, 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 $26,956 for the 20%-down payment. That payment is 14% of the median Ziebach County household income of $53,958; at that income and 20% down, the 28% guideline points to a home of about $199,000.
The median rent here is $734 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $19,920 |
|---|---|
| Loan amount | $79,680 |
| Principal and interest | $536 |
| Property taxes (0.62% a year) | $51 |
| Homeowners insurance (our estimate, 0.5% a year) | $42 |
| PMI | $0 |
| Total per month | $629 |
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| Down payment | $3,486 |
|---|---|
| Loan amount | $97,796 |
| Principal and interest | $658 |
| Property taxes (0.62% a year) | $51 |
| Homeowners insurance (our estimate, 0.5% a year) | $42 |
| FHA mortgage insurance | $44 |
| Total per month | $795 |
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Questions about home buying in Ziebach County
What is the median home value in Ziebach County?
About $99,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ziebach County?
Homeowners pay a median $613 a year, which is about 0.62% 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 Ziebach County?
For the median home with 20% down at 7.11%, the payment is about $629 a month. Keeping that under 28% of gross income takes about $26,956 a year.
More about Ziebach County
- Mortgage Refinance in Ziebach County
- Debt Relief in Ziebach County
- Home Equity Loans in Ziebach 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