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Onida city, SD

ZIP 57564 — 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 57564

Median Home Value
$199,100
Median Rent
$907
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,279/mo PITI).

15%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.3 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 57564 in Onida city, SD, a household would need roughly $55,000 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 $1,279. That sits below the local median household income ($71,708), 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 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.7%+28% vs US avg
x
Vacancy Rate
24.3%+136% vs US avg
x
Broadband Access
82.6%-5% vs US avg
x
4+ Bedrooms
7.5%-49% vs US avg
x
Built Pre-1939
5.1%-60% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
26.2%-47% vs US avg
x
Mortgage-Free
61.2%+60% vs US avg
x
$199,100
Home Value
$907
Rent
1972
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached80.1%
  • 1-unit attached1.0%
  • 2-9 units1.6%
  • 10+ units6.7%
  • Mobile home & other10.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$199,100
Median rent$907
Owner-occupied83.7%
Vacant24.3%
Price-to-income2.8x
Est. income to buy$55,000