South Dakota mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Minnehaha County | 2,421 | 6.25% | $5,449 | 6.25% |
| Pennington County | 1,399 | 6.25% | $7,212 | 6% |
| Lincoln County | 1,010 | 6.25% | $5,686 | 6.125% |
| Meade County | 329 | 6.375% | $7,562 | 5.99% |
| Lawrence County | 273 | 6.375% | $6,809 | 6.375% |
| Brookings County | 270 | 6.25% | $5,362 | 6.375% |
| Codington County | 266 | 6.25% | $5,243 | 6.49% |
| Brown County | 256 | 6.25% | $5,026 | 6.188% |
| Yankton County | 193 | 6.25% | $4,207 | 6.125% |
| Union County | 168 | 6.375% | $5,381 | 6.125% |
| Hughes County | 166 | 6.25% | $5,702 | 6.125% |
| Davison County | 158 | 6.125% | $4,719 | 6% |
| Butte County | 120 | 6.25% | $6,474 | 6.24% |
| Beadle County | 110 | 6.375% | $4,938 | 6.375% |
| Lake County | 103 | 6.375% | $5,632 | 6.125% |
| Clay County | 101 | 6.375% | $4,322 | 6.375% |
| Turner County | 85 | 6.375% | $5,696 | 6.625% |
| Custer County | 82 | 6.375% | $6,094 | 6.25% |
| Fall River County | 82 | 6.25% | $5,296 | 6.25% |
| McCook County | 71 | 6.25% | $4,589 | 6.062% |
| Grant County | 71 | 6.375% | $5,142 | 6.5% |
| Hamlin County | 61 | 6.25% | $5,863 | 6.625% |
| Hutchinson County | 60 | 6.125% | $5,378 | 6.495% |
| Kingsbury County | 45 | 6.25% | $4,206 | 5.812% |
| Moody County | 43 | 6.438% | $4,490 | 6% |
| Bon Homme County | 41 | 6.375% | $4,712 | 6.5% |
| Deuel County | 35 | 6.375% | $4,919 | 6.375% |
| Roberts County | 33 | 6.49% | $4,382 | 6.888% |
| Walworth County | 28 | 6.495% | $5,090 | 6.062% |
| Charles Mix County | 26 | 6.312% | $4,903 | 6.5% |
| Tripp County | 25 | 6.5% | $6,227 | 5.99% |
| Day County | 25 | 6.5% | $4,155 | 5.75% |
| Brule County | 21 | 6.5% | $4,208 | 6.125% |
| Hanson County | 21 | 6.375% | $5,177 | 6.562% |
| Stanley County | 20 | 6.5% | $5,469 | 6.25% |
| Clark County | 19 | 6% | $5,488 | 6.625% |
| Sully County | 17 | 6.433% | $5,271 | n/a |
| Gregory County | 17 | 6.5% | $5,391 | 5.688% |
| Edmunds County | 16 | 6.5% | $6,320 | 6.312% |
| Douglas County | 15 | 6.375% | $3,735 | 6.438% |
| Aurora County | 15 | 7.125% | $4,934 | 6.312% |
| McPherson County | 14 | 6.62% | $4,145 | 7.25% |
| Potter County | 14 | 6.688% | $3,733 | 7.125% |
| Hand County | 14 | 6.375% | $4,610 | 6.125% |
| Marshall County | 13 | 6.375% | $4,202 | 5.99% |
| Haakon County | 12 | 6.625% | $4,589 | n/a |
| Lyman County | 11 | 6.5% | $4,967 | 6.87% |
| Spink County | 11 | 6.125% | $4,516 | 6.5% |
| Hyde County | 10 | 6.812% | $4,170 | n/a |
| Jerauld County | 9 | 6.375% | $5,284 | n/a |
| Faulk County | 9 | 6% | $5,483 | n/a |
| Miner County | 8 | 6.558% | $4,725 | 7% |
| Perkins County | 8 | 6.308% | $4,562 | n/a |
| Sanborn County | 7 | 6.938% | $4,142 | 6.125% |
| Harding County | 6 | 6.625% | $5,300 | n/a |
| Campbell County | 6 | 6.125% | $4,469 | n/a |
| Jones County | 5 | 6.125% | $6,585 | n/a |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.