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Oldham city, SD

ZIP 57051 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 57051

Median Home Value
$100,000
Median Rent
$278
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$642/mo PITI).

7%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

30.0 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 57051 in Oldham city, SD, a household would need roughly $28,000 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 $642. That sits below the local median household income ($46,250), 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

Vacancy rate 28% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.9%+30% vs US avg
x
Vacancy Rate
28.4%+176% vs US avg
x
Broadband Access
75.5%-13% vs US avg
x
4+ Bedrooms
15.5%+5% vs US avg
x
Built Pre-1939
4.7%-63% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
37.5%-25% vs US avg
x
Mortgage-Free
81.1%+112% vs US avg
x
$100,000
Home Value
$278
Rent
1938
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached91.9%
  • 1-unit attached0.0%
  • 2-9 units7.4%
  • 10+ units0.0%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$100,000
Median rent$278
Owner-occupied84.9%
Vacant28.4%
Price-to-income2.2x
Est. income to buy$28,000