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Baltic city, SD

ZIP 57003 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 57003

Median Home Value
$261,500
Median Rent
$959
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,680/mo PITI).

11%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 57003 in Baltic city, SD, a household would need roughly $72,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,680. That sits below the local median household income ($108,875), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
87.0%+33% vs US avg
x
Vacancy Rate
5.4%-47% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
13.3%-10% vs US avg
x
Built Pre-1939
2.5%-81% vs US avg
x
Built Post-2014
8.3%+20% vs US avg
x
Rent Burden >30%
2.1%-96% vs US avg
x
Mortgage-Free
30.7%-20% vs US avg
x
$261,500
Home Value
$959
Rent
1997
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached86.0%
  • 1-unit attached1.3%
  • 2-9 units3.2%
  • 10+ units0.0%
  • Mobile home & other9.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$261,500
Median rent$959
Owner-occupied87.0%
Vacant5.4%
Price-to-income2.4x
Est. income to buy$72,000