ZIP Code 57782 — Smithwick CDP, SD Demographics & Data

ZIP code 57782 covers Smithwick, SD in Fall River County with a population of about 51.

At a glance, the area shows median age of 42.8 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 57782 is about $56,667 — about 25% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.0%; unemployment rate near 0.0%; 65.7% of adults with a bachelor’s degree or higher (about 32.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Retail trade, and Healthcare; about 19.1% of workers reporting work-from-home (about 3.9 points above the U.S. share (15.2%)); a mean commute of about 17.0 minutes (U.S. average near 26.8).

Median home value is about $259,400 — about 25% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 95.0% (about 29.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 57782 in Smithwick, 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 about 25% above the local median household income ($56,667), so the median earner would likely stretch or need a larger down payment. 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 Smithwick CDP, SD as Very Low (composite score 30.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (93.8) and flood (41.5). 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 Smithwick CDP, SD show little to no average snow and around 17.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3 for ZIP 57782 (Smithwick CDP, 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.