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Chamberlain city, SD

ZIP 57325 — 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 57325

Median Home Value
$208,400
Median Rent
$549
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,339/mo PITI).

8%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

31.6 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 57325 in Chamberlain city, SD, a household would need roughly $57,000 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 $1,339. That sits below the local median household income ($78,750), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.2%+6% vs US avg
x
Vacancy Rate
14.9%+45% vs US avg
x
Broadband Access
81.5%-6% vs US avg
x
4+ Bedrooms
8.1%-45% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.9%-72% vs US avg
x
Mortgage-Free
63.3%+66% vs US avg
x
$208,400
Home Value
$549
Rent
1975
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached74.9%
  • 1-unit attached1.0%
  • 2-9 units10.7%
  • 10+ units8.4%
  • Mobile home & other5.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$208,400
Median rent$549
Owner-occupied69.2%
Vacant14.9%
Price-to-income2.6x
Est. income to buy$57,000