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Sturgis city, SD

ZIP 57785 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 57785

Median Home Value
$263,000
Median Rent
$673
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,689/mo PITI).

14%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

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

32.6 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 57785 in Sturgis city, SD, a household would need roughly $72,000 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 $1,689. That is about 21% above the local median household income ($59,311), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
70.8%+8% vs US avg
x
Vacancy Rate
9.3%-9% vs US avg
x
Broadband Access
85.7%-2% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
1.7%-76% vs US avg
x
Rent Burden >30%
10.7%-78% vs US avg
x
Mortgage-Free
39.8%+4% vs US avg
x
$263,000
Home Value
$673
Rent
1979
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached67.8%
  • 1-unit attached3.4%
  • 2-9 units5.4%
  • 10+ units6.7%
  • Mobile home & other16.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$263,000
Median rent$673
Owner-occupied70.8%
Vacant9.3%
Price-to-income4.4x
Est. income to buy$72,000