ZIP Code 57783 — Spearfish city, SD Demographics & Data

ZIP code 57783 covers Spearfish, SD in Lawrence County with a population of about 16,929.

At a glance, the area shows median age of 40.0 (near the U.S. median).

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

Median household income in ZIP 57783 is about $64,970 — about 14% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.8%; unemployment rate near 1.8%; 40.0% of adults with a bachelor’s degree or higher (about 6.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Healthcare, and Retail trade; about 5.0% of workers reporting work-from-home (about 10.2 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 $332,300 — about 5% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $797 (about 31% below the U.S. median rent ($1,163)), and owner-occupancy near 57.5% (about 7.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 57783 in Spearfish, SD, a household would need roughly $91,000 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 $2,135. That is about 40% above the local median household income ($64,970), 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 Spearfish city, SD as Relatively Low (composite score 49.3), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (93.2) and flood (57.1). 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 Spearfish city, SD show little to no average snow and around 21.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,040 for ZIP 57783 (Spearfish 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.