Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$290,879+5.1% YoY · prices are rising fast
Market right nowBalanced marketMore homes for sale than last year, 12% have cut their price
Income needed to buy, per year$63,056About 0.8× the local median income ($83,250): affordable for a typical household
Days on market72 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+3.0%Zillow expects prices to rise slightly
The typical home in McCook County, SD is worth $290,879, up 5.1% from a year ago. That is well above what local incomes have historically supported: fair value is about $244,666, so the area is 18.9% overvalued. It is a balanced market: homes take about 72 days to sell, listings are up 14% from a year ago, 12% of listings have had a price cut. Zillow expects prices to rise about 3.0% over the next year. A household needs about $63,056 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 $83,250. In the latest IRS figures, 30 more people moved out than in.
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
$290,879
Change in 1 year
+5.1%
Overvalued %
+18.9%
Show 7 more
Fair home value
$244,666
Change in 5 years
+29.5%
Zillow forecast, next 12 months
+3.0%
Home value to income
3.5×
Monthly mortgage payment (20% down)
$1,576
Income needed to afford it
$63,056
Property tax rate
1.06%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,228
Market activity
Listings vs a year ago
+14.3%
Days on market
72
Listings with a price cut
12.5%
Show 3 more
Homes for sale
24
Pending sales per 100 listings
33
Asking price per sq ft
$154
People and jobs
Median household income
$83,250
Population change (1 year)
+1.4%
Unemployment rate
1.8%
Show 4 more
Population
5,964
Income adjusted for cost of living
$91,887
Net moves in (IRS)
−30
Cost of living (US = 100)
90.6
Schools, risk and environment
School rating (1 to 10)
6.2
FEMA hazard risk score (0 to 100)
43.4
Flood risk score
58.4
Show 3 more
Wildfire risk score
62.3
Walkability (1 to 20)
5.8
Road, rail and air noise
55 dB
Questions people ask
Is McCook County, SD overvalued?
Home prices in McCook County, SD are well above what local incomes have historically supported: fair value is about $244,666, so the area is 18.9% overvalued.
Is McCook County, SD a buyer's or seller's market?
McCook County, SD is a balanced market: homes take about 72 days to sell, listings are up 14% from a year ago, 12% of listings have had a price cut.
Are home prices going down in McCook County, SD?
Home values in McCook County, SD are up 5.1% over the last year. Zillow's forecast for the next 12 months is +3.0%.
How much do you need to earn to buy a home in McCook County, SD?
A household needs about $63,056 a year to afford the typical home in McCook County, SD at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $83,250.