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Oacoma town, SD

ZIP 57365 — 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 57365

Median Home Value
$259,300
Median Rent
$763
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,666/mo PITI).

14%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

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

28.3 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 57365 in Oacoma town, SD, a household would need roughly $71,000 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 $1,666. That is roughly in line with the local median household income ($63,611). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.5%+28% vs US avg
x
Vacancy Rate
18.7%+82% vs US avg
x
Broadband Access
88.5%+2% vs US avg
x
4+ Bedrooms
6.4%-57% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
1.5%-79% vs US avg
x
Rent Burden >30%
19.6%-61% vs US avg
x
Mortgage-Free
64.2%+68% vs US avg
x
$259,300
Home Value
$763
Rent
1993
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached73.4%
  • 1-unit attached1.2%
  • 2-9 units5.8%
  • 10+ units4.1%
  • Mobile home & other15.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$259,300
Median rent$763
Owner-occupied83.5%
Vacant18.7%
Price-to-income4.1x
Est. income to buy$71,000