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Idaho vs South Dakota:
Mortgage & Housing Costs

Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Idaho and South Dakota. Updated for 2026.

MetricIdahoSouth Dakota
Median Home Price$420K$295K
Property Tax Rate0.63%1.22%
Avg Closing Costs$6K$2K
Closing Cost %1.5%0.7%
Transfer TaxNone0.1%
Homeowners Insurance$1,600/yr$2,300/yr
First-Time Buyer Program
Idaho Housing DPA
Up to 7% second mortgage
SDHDA First-Time Homebuyer
Fixed-rate FTB loans
Verdict

Idaho 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.

Explore Each State

Idaho$420K
0.63% tax · $6K closing · $1,600/yr insurance
South Dakota$295K
1.22% tax · $2K closing · $2,300/yr insurance
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