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Hill City city, SD

ZIP 57745 — 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 57745

Median Home Value
$323,500
Median Rent
$721
Affordability Snapshot
$89,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,078/mo PITI).

10%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

37.4 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 57745 in Hill City city, SD, a household would need roughly $89,000 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 $2,078. That is roughly in line with the local median household income ($90,089). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 32% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.9%+27% vs US avg
x
Vacancy Rate
31.6%+206% vs US avg
x
Broadband Access
85.4%-2% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
4.1%-68% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
2.7%-95% vs US avg
x
Mortgage-Free
44.8%+17% vs US avg
x
$323,500
Home Value
$721
Rent
1992
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached81.0%
  • 1-unit attached1.7%
  • 2-9 units2.0%
  • 10+ units2.0%
  • Mobile home & other13.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$323,500
Median rent$721
Owner-occupied82.9%
Vacant31.6%
Price-to-income3.6x
Est. income to buy$89,000