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Carthage city, SD

ZIP 57323 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 57323

Median Home Value
$75,000
Median Rent
$283
Affordability Snapshot
$21,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$482/mo PITI).

6%
Rent-to-Income Ratio

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

1.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.1 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 57323 in Carthage city, SD, a household would need roughly $21,000 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 $482. That sits below the local median household income ($53,750), 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 43% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
96.0%+47% vs US avg
x
Vacancy Rate
43.2%+319% vs US avg
x
Broadband Access
76.0%-13% vs US avg
x
4+ Bedrooms
10.8%-27% vs US avg
x
Built Pre-1939
3.4%-73% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
91.7%+140% vs US avg
x
$75,000
Home Value
$283
Rent
1942
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 detached98.3%
  • 1-unit attached0.0%
  • 2-9 units1.1%
  • 10+ units0.0%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$75,000
Median rent$283
Owner-occupied96.0%
Vacant43.2%
Price-to-income1.4x
Est. income to buy$21,000