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Yankton city, SD

ZIP 57078 — 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 57078

Median Home Value
$213,300
Median Rent
$688
Affordability Snapshot
$59,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,370/mo PITI).

11%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

25.8 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 57078 in Yankton city, SD, a household would need roughly $59,000 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 $1,370. That sits below the local median household income ($72,395), 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
70.0%+7% vs US avg
x
Vacancy Rate
6.7%-35% vs US avg
x
Broadband Access
86.6%-0% vs US avg
x
4+ Bedrooms
8.7%-41% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
11.6%-77% vs US avg
x
Mortgage-Free
46.0%+21% vs US avg
x
$213,300
Home Value
$688
Rent
1977
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached68.6%
  • 1-unit attached5.9%
  • 2-9 units7.5%
  • 10+ units13.6%
  • Mobile home & other4.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$213,300
Median rent$688
Owner-occupied70.0%
Vacant6.7%
Price-to-income2.9x
Est. income to buy$59,000