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Willow Lake city, SD

ZIP 57278 — 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 57278

Median Home Value
$202,700
Median Rent
$486
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,302/mo PITI).

9%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

34.8 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 57278 in Willow Lake city, SD, a household would need roughly $56,000 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 $1,302. That sits below the local median household income ($65,938), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.7%+20% vs US avg
x
Vacancy Rate
13.4%+30% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
12.0%-19% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
3.7%-93% vs US avg
x
Mortgage-Free
66.8%+75% vs US avg
x
$202,700
Home Value
$486
Rent
1970
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 detached94.5%
  • 1-unit attached1.7%
  • 2-9 units3.1%
  • 10+ units0.0%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$202,700
Median rent$486
Owner-occupied78.7%
Vacant13.4%
Price-to-income3.1x
Est. income to buy$56,000