Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Arizona and South Dakota. Updated for 2026.
Metric
Arizona
South Dakota
Median Home Price
$380K
$295K
Property Tax Rate
0.62%
1.22%
Avg Closing Costs
$6K
$2K
Closing Cost %
1.6%
0.7%
Transfer Tax
None
0.1%
Homeowners Insurance
$2,100/yr
$2,300/yr
First-Time Buyer Program
Home Plus AZ
Up to 5% DPA grant
SDHDA First-Time Homebuyer
Fixed-rate FTB loans
Verdict
Arizona and South Dakota are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.