Cost of Living in Harding County, South Dakota
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How Harding County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Harding County ranks #613 of 3,142 counties for affordability (top 20%)
Sourced county brief
Harding County Rent to Income Percentage at 9.0 Percent
Harding County reported an official ACS B25071 Gross Rent as a Percentage of Household Income (GRAPI) of 9.0%. This figure is 13.7 percentage points below the South Dakota unweighted county mean for official GRAPI of 22.7%. The median gross rent was measured at $521 per month, while the state unweighted county mean is $785. Median renter-household income in Harding County was estimated at $62,311. Among owner-occupied housing units, the median home value is $166,100, which is below the state unweighted county mean of $181,021. The median selected monthly owner costs for all owner-occupied units reached $812, compared to the state unweighted county mean of $853. All provided figures are snapshots from the U.S. Census Bureau ACS 2020-2024 5-Year Estimates. See ACS table B25071 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: Harding County
Affordability Verdict
ACS B25071 estimates median gross rent at 9.0% of renter household income in Harding County, which is below the 30% affordability benchmark. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $521 per month; median selected monthly owner costs are $812. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $20,840 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The South Dakota unweighted mean of county median rents is $785 per month. Harding County's $521 median is 33.6% below that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Harding County
Rent Burden
7.8%
of gross income
Max Housing (28% Rule)
$1,877
per month
Owner Cost Burden
12.1%
of gross income
You can likely afford the median home in Harding County
Median home value is $166,100. Estimated monthly cost: $1,326 vs. your max of $1,877.
Rent Affordability Guide
Income Needed Calculator
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2020-2024). Data is informational only and is not personalized financial advice.
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