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Mortgage Calculator &
Closing Costs: Huron, SD

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Huron, South Dakota.

Median Home Price
$175K
Population
13K
Avg Monthly Rent
$750
Property Tax Rate
1.22%
Huron vs South Dakota Median
The median home price in Huron is $175,000, which is 41% below the South Dakota state median of $295,000.

Mortgage Calculator — Huron, SD

Pre-filled with Huron median home price and South Dakota tax/insurance rates. Adjust for your property.

$
$35,000
%
%
years
SD avg
%
$
Monthly Payment (PITI)
$1,255
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$885
per month
Taxes & Insurance
$370
per month
Total Interest Paid
$179K
over 30 years
Total Loan Cost
$319K
all payments
Payment Breakdown
Loan Amount$140,000
Principal & Interest$885
Property Taxes$178
Homeowners Insurance$192
Total Monthly PITI$1,255

Closing Costs — Huron, SD

Estimated closing costs based on South Dakota rates and fees applied to Huron prices.

$
%
South Dakota: Avg closing costs 0.7% of price. Transfer tax: 0.1%.
Estimated Closing Costs
$8,357
4.8% of purchase price
Lender Fees
$1,685
origination, underwriting
Third-Party
$2,325
appraisal, title, inspection
Government Fees
$175
transfer taxes, recording
Prepaids + Escrow
$4,172
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,260
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,175
Recording Fee$150
Transfer Tax$175
Prepaid Taxes (3 mo)$534
Prepaid Insurance (12 mo)$2,300
Prepaid Interest (15 days)$421
Escrow Reserves$917
Total Closing Costs$8,357

Buying a Home in Huron, South Dakota

The median home price in Huron is $175,000, 41% below the South Dakota state median of $295,000. With a population of 13,289, Huron is a smaller market where home prices tend to be more accessible than in many parts of South Dakota.

Property taxes in South Dakota average 1.22% annually. This moderate property tax rate means a $175,000 home in Huron would carry roughly $178/month in property taxes. Homeowners insurance in South Dakota runs approximately $2,300 per year. This is within the normal range nationally.

Average rent in Huron is $750/month. The price-to-rent ratio in Huron is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Huron offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with South Dakota's SDHDA First-Time Homebuyer program.

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