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Groton city, SD

ZIP 57445 — 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 57445

Median Home Value
$185,200
Median Rent
$750
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,190/mo PITI).

12%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.6 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 57445 in Groton city, SD, a household would need roughly $51,000 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 $1,190. That sits below the local median household income ($76,250), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.0%+19% vs US avg
x
Vacancy Rate
12.3%+19% vs US avg
x
Broadband Access
84.1%-3% vs US avg
x
4+ Bedrooms
13.4%-9% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
15.1%-70% vs US avg
x
Mortgage-Free
43.3%+13% vs US avg
x
$185,200
Home Value
$750
Rent
1972
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached72.1%
  • 1-unit attached1.1%
  • 2-9 units14.3%
  • 10+ units2.7%
  • Mobile home & other9.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$185,200
Median rent$750
Owner-occupied78.0%
Vacant12.3%
Price-to-income2.4x
Est. income to buy$51,000