ZIP Code 57745 — Hill City city, SD Demographics & Data

ZIP code 57745 covers Hill City, SD in Pennington County with a population of about 1,784.

At a glance, the area shows median age of 45.5 versus a U.S. median of about 38.9.

It sits in telephone area code 605; U.S. House district SD-00; the RAPID CITY media market.

Median household income in ZIP 57745 is about $90,089 — about 20% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.3%; unemployment rate near 0.0%; 34.2% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Healthcare, and Retail trade; about 7.1% of workers reporting work-from-home (about 8.1 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $323,500 — about 7% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $721 (about 38% below the U.S. median rent ($1,163)), and owner-occupancy near 82.9% (about 17.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 57745 in Hill City, SD, a household would need roughly $89,000 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 $2,078. That is roughly in line with the local median household income ($90,089). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Hill City city, SD as Relatively Low (composite score 78.6), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (97.2) and flood (75.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Hill City city, SD show little to no average snow.

IRS migration statistics show a net inflow of about 110 for ZIP 57745 (Hill City city, SD) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.