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Harrisburg city, SD

ZIP 57032 — 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 57032

Median Home Value
$295,600
Median Rent
$1,149
Affordability Snapshot
$81,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,899/mo PITI).

13%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.4 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 57032 in Harrisburg city, SD, a household would need roughly $81,000 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 $1,899. That sits below the local median household income ($107,241), 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
82.0%+25% vs US avg
x
Vacancy Rate
5.5%-46% vs US avg
x
Broadband Access
98.2%+13% vs US avg
x
4+ Bedrooms
12.1%-18% vs US avg
x
Built Pre-1939
2.6%-80% vs US avg
x
Built Post-2014
4.1%-40% vs US avg
x
Rent Burden >30%
11.7%-76% vs US avg
x
Mortgage-Free
21.4%-44% vs US avg
x
$295,600
Home Value
$1,149
Rent
2005
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached81.4%
  • 1-unit attached2.7%
  • 2-9 units6.7%
  • 10+ units7.2%
  • Mobile home & other2.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$295,600
Median rent$1,149
Owner-occupied82.0%
Vacant5.5%
Price-to-income2.8x
Est. income to buy$81,000