Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$227,589+14.6% YoY · prices are rising fast
Market right nowSeller's marketFewer homes for sale than last year, 0% have cut their price
Income needed to buy, per year$49,337About 0.8× the local median income ($65,228): affordable for a typical household
Days on market196 daysSlower than a year ago: buyers have time to negotiate
The typical home in Harding County, SD is worth $227,589, up 14.6% from a year ago. It is a seller's market: homes take about 196 days to sell, listings are down 50% from a year ago, 0% of listings have had a price cut. A household needs about $49,337 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $65,228. In the latest IRS figures, 38 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$227,589
Change in 1 year
+14.6%
Home value to income
3.5×
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Monthly mortgage payment (20% down)
$1,233
Income needed to afford it
$49,337
Property tax rate
1.12%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,064
Market activity
Listings vs a year ago
−50.0%
Days on market
196
Listings with a price cut
0.0%
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Homes for sale
1
Pending sales per 100 listings
100
Asking price per sq ft
$125
People and jobs
Median household income
$65,228
Population change (1 year)
+1.4%
Unemployment rate
0.9%
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Population
1,331
Income adjusted for cost of living
$75,234
Net moves in (IRS)
+38
Cost of living (US = 100)
86.7
Schools, risk and environment
School rating (1 to 10)
7.0
FEMA hazard risk score (0 to 100)
1.5
Flood risk score
3.5
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Wildfire risk score
82.6
Walkability (1 to 20)
6.5
Road, rail and air noise
54 dB
Questions people ask
Is Harding County, SD a buyer's or seller's market?
Harding County, SD is a seller's market: homes take about 196 days to sell, listings are down 50% from a year ago, 0% of listings have had a price cut.
Are home prices going down in Harding County, SD?
Home values in Harding County, SD are up 14.6% over the last year.
How much do you need to earn to buy a home in Harding County, SD?
A household needs about $49,337 a year to afford the typical home in Harding County, SD at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $65,228.