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Ramona town, SD

ZIP 57054 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 57054

Median Home Value
$108,700
Median Rent
$475
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$698/mo PITI).

6%
Rent-to-Income Ratio

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

1.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.1 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 57054 in Ramona town, SD, a household would need roughly $30,000 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 $698. That sits below the local median household income ($88,839), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.9%+31% vs US avg
x
Vacancy Rate
14.6%+42% vs US avg
x
Broadband Access
77.0%-12% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
11.1%-13% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.9%-84% vs US avg
x
Mortgage-Free
59.7%+56% vs US avg
x
$108,700
Home Value
$475
Rent
1954
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached76.8%
  • 1-unit attached0.3%
  • 2-9 units16.5%
  • 10+ units4.4%
  • Mobile home & other1.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$108,700
Median rent$475
Owner-occupied85.9%
Vacant14.6%
Price-to-income1.2x
Est. income to buy$30,000