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Kennebec town, SD

ZIP 57544 — 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 57544

Median Home Value
$144,300
Median Rent
$175
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$927/mo PITI).

3%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

68.7 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 57544 in Kennebec town, SD, a household would need roughly $40,000 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 $927. That sits below the local median household income ($71,875), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
81.5%+25% vs US avg
x
Vacancy Rate
9.9%-4% vs US avg
x
Broadband Access
81.0%-7% vs US avg
x
4+ Bedrooms
11.7%-21% vs US avg
x
Built Pre-1939
4.0%-68% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
69.9%+83% vs US avg
x
$144,300
Home Value
$175
Rent
1961
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached92.8%
  • 1-unit attached0.9%
  • 2-9 units5.4%
  • 10+ units0.0%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$144,300
Median rent$175
Owner-occupied81.5%
Vacant9.9%
Price-to-income2.0x
Est. income to buy$40,000