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Horse Creek CDP, SD

ZIP 57579 — 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 57579

Median Home Value
$58,800
Median Rent
$377
Affordability Snapshot
$16,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$378/mo PITI).

8%
Rent-to-Income Ratio

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

1.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.0 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 57579 in Horse Creek CDP, SD, a household would need roughly $16,000 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 $378. That sits below the local median household income ($53,913), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.0%+1% vs US avg
x
Vacancy Rate
18.1%+76% vs US avg
x
Broadband Access
78.4%-10% vs US avg
x
4+ Bedrooms
7.6%-49% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.1%-66% vs US avg
x
Mortgage-Free
77.1%+102% vs US avg
x
$58,800
Home Value
$377
Rent
1974
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached63.4%
  • 1-unit attached0.0%
  • 2-9 units4.0%
  • 10+ units0.8%
  • Mobile home & other31.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$58,800
Median rent$377
Owner-occupied66.0%
Vacant18.1%
Price-to-income1.1x
Est. income to buy$16,000