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Bruce city, SD

ZIP 57220 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 57220

Median Home Value
$196,100
Median Rent
$575
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,260/mo PITI).

7%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

28.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 57220 in Bruce city, SD, a household would need roughly $54,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,260. That sits below the local median household income ($98,009), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 29% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.9%+28% vs US avg
x
Vacancy Rate
28.8%+179% vs US avg
x
Broadband Access
91.8%+6% vs US avg
x
4+ Bedrooms
8.1%-45% vs US avg
x
Built Pre-1939
5.8%-54% vs US avg
x
Built Post-2014
5.8%-15% vs US avg
x
Rent Burden >30%
7.8%-84% vs US avg
x
Mortgage-Free
56.8%+49% vs US avg
x
$196,100
Home Value
$575
Rent
1975
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached92.1%
  • 1-unit attached0.0%
  • 2-9 units3.1%
  • 10+ units0.0%
  • Mobile home & other4.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$196,100
Median rent$575
Owner-occupied83.9%
Vacant28.8%
Price-to-income2.0x
Est. income to buy$54,000