Mortgage Payment Estimates for South Dakota by Home Price
The true monthly payment on a home is rarely what lenders quote upfront. Below are the full PITI estimates — principal, interest, property tax, and insurance — for eight home prices in South Dakota, at both 20% and 10% down. Pick a price to see the complete breakdown, income requirements, and 15- vs. 30-year comparison.
| Home Price | PITI (20% down) | PITI (10% down) | Details |
|---|---|---|---|
| $200,000 | $1,342/mo | $1,595/mo | Full breakdown → |
| $250,000 | $1,634/mo | $1,950/mo | Full breakdown → |
| $300,000 | $1,927/mo | $2,306/mo | Full breakdown → |
| $350,000 | $2,219/mo | $2,661/mo | Full breakdown → |
| $400,000 | $2,511/mo | $3,016/mo | Full breakdown → |
| $500,000 | $3,096/mo | $3,727/mo | Full breakdown → |
| $600,000 | $3,680/mo | $4,438/mo | Full breakdown → |
| $750,000 | $4,557/mo | $5,505/mo | Full breakdown → |
Rate: 6.4% (Freddie Mac Primary Mortgage Market Survey). Property tax: 1.01% effective rate (Tax Foundation Property Taxes by State 2024). Insurance: $2,076/yr (Insurance.com Rate Analysis 2026).