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Gary city, SD

ZIP 57237 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 57237

Median Home Value
$154,000
Median Rent
$383
Affordability Snapshot
$42,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$989/mo PITI).

5%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

33.5 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 57237 in Gary city, SD, a household would need roughly $42,000 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 $989. That sits below the local median household income ($84,359), 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 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.9%+38% vs US avg
x
Vacancy Rate
21.8%+111% vs US avg
x
Broadband Access
86.6%-0% vs US avg
x
4+ Bedrooms
6.0%-59% vs US avg
x
Built Pre-1939
13.1%+2% vs US avg
x
Built Post-2014
4.2%-39% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
51.9%+36% vs US avg
x
$154,000
Home Value
$383
Rent
1960
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached93.4%
  • 1-unit attached0.0%
  • 2-9 units5.0%
  • 10+ units0.0%
  • Mobile home & other1.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$154,000
Median rent$383
Owner-occupied89.9%
Vacant21.8%
Price-to-income1.8x
Est. income to buy$42,000