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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many South Dakota residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in South Dakota, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Dell Rapids, South Dakota
- Payment to income ratio: 24.9%
- Median sale price: $329,063
- Median household income: $101,250
- Income needed to buy: $84,031
- Median monthly mortgage payment: $2,101
- See homes for sale in Dell Rapids on

#2. Lennox, South Dakota
- Payment to income ratio: 26.7%
- Median sale price: $266,454
- Median household income: $76,477
- Income needed to buy: $68,043
- Median monthly mortgage payment: $1,701
- See homes for sale in Lennox on

#3. Hartford, South Dakota
- Payment to income ratio: 26.8%
- Median sale price: $334,236
- Median household income: $95,426
- Income needed to buy: $85,351
- Median monthly mortgage payment: $2,134
- See homes for sale in Hartford on

#4. Harrisburg, South Dakota
- Payment to income ratio: 27.8%
- Median sale price: $368,340
- Median household income: $101,534
- Income needed to buy: $94,060
- Median monthly mortgage payment: $2,352
- See homes for sale in Harrisburg on

#5. Canton, South Dakota
- Payment to income ratio: 29.1%
- Median sale price: $248,605
- Median household income: $65,500
- Income needed to buy: $63,484
- Median monthly mortgage payment: $1,587
- See homes for sale in Canton on

#6. Brandon, South Dakota
- Payment to income ratio: 29.2%
- Median sale price: $399,439
- Median household income: $104,806
- Income needed to buy: $102,002
- Median monthly mortgage payment: $2,550
- See homes for sale in Brandon on

#7. Tea, South Dakota
- Payment to income ratio: 31.1%
- Median sale price: $424,162
- Median household income: $104,643
- Income needed to buy: $108,315
- Median monthly mortgage payment: $2,708
- See homes for sale in Tea on

#8. Sioux Falls, South Dakota
- Payment to income ratio: 35.8%
- Median sale price: $348,724
- Median household income: $74,714
- Income needed to buy: $89,051
- Median monthly mortgage payment: $2,226
- See homes for sale in Sioux Falls on