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City · 13,907 residents · Dakota County, Nebraska

South Sioux City , Nebraska

In South Sioux City, a typical home is worth $174,700 and typical rent is $1,127 a month. Compared with all of Dakota County, the typical home value is 6% lower, typical rent is 5% higher, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $174,700

    6% below the county

    27% below Nebraska

    • South Sioux City
    • Dakota
    • Nebraska

  • Typical rent

    $1,127a month

    5% above the county

    5% above Nebraska

    • South Sioux City
    • Dakota
    • Nebraska

  • Typical household income

    $68,223a year

    3% below the county

    11% below Nebraska

    • South Sioux City
    • Dakota
    • Nebraska

  • Households that own their home

    56%

    8 points below the county

    11 points below Nebraska

    • South Sioux City
    • Dakota
    • Nebraska

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$235,075
5% more than 12 months ago
Typical rent
$1,399 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

South Sioux City is in Dakota County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Dakota County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets South Sioux City apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Wayne, the typical rent is $792: 30% less than in South Sioux City ($1,127).

  2. Nearby, in Schuyler, the typical home value is $145,700: 17% less than in South Sioux City ($174,700).

  3. South Sioux City has the 3rd lowest homeownership rate of the 33 cities in Nebraska with more than 5,000 people (56%).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in South Sioux City

What homes there are in South Sioux City, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses are the majority in South Sioux City (62%), but less so than in Dakota County (69%).

Year built

In South Sioux City, half of the homes were built before 1973; in Dakota County, before 1974.

Homes in South Sioux City are smaller: 54% have 3 bedrooms or more; in Dakota County, 59%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA limit for Dakota County is high ($541,287): at least 98% of owner-occupied homes in South Sioux City are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,668 a month

Dakota County: $1,706 a month

Without a mortgage

$644 a month

Dakota County: $640 a month

Owners with a mortgage

50%

Dakota County: 51%

Owning costs about the same in South Sioux City as in Dakota County: with a mortgage, $1,668 a month; without one, $644.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in South Sioux City rose 50% since 2015–2019, less than in Dakota County (55%).

The typical rent in South Sioux City rose 38% over the same time; in Dakota County, it rose 32%.

Here income did not keep up with housing: it rose 25%, while home values changed +50% and rent +38%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSouth Sioux CityDakota CountyNebraskaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room 13.0%9.6%2.1%3.4%
People per household 2.902.842.422.53
Drive alone 73%75%76%69%
Carpool 16%15%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home 5%5%11%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

In South Sioux City, 13.0% of households live with more than one person per room, against 9.6% in Dakota County.

By size, households in South Sioux City look like those in Dakota County: 2.90 people on average.

The car rules in South Sioux City: 73% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in South Sioux City?

A typical home is within reach of the typical income

We start with a typical home in South Sioux City, worth $174,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in South Sioux City, which is $68,223 a year.

The calculator's FHA and conventional loan limits are those of all of Dakota County.

Your numbers

Local data
$

Starts at the typical home value in South Sioux City. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,115 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,570

at 7.18% · 30 years

Loan amount
$171,535
Total interest
$246,799
Paid off in
November 2056

Includes $2,950 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,592 a month

    Your payment · 28%

  • Tight

    $1,592 to $2,047 a month

  • Hard

    more than $2,047 a month

Compared with the typical household income in South Sioux City ($68,223 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,570
Principal & interest$1,162
Property tax$258
Home insurance$73
FHA mortgage insurance (MIP)$77

You need at least $6,115 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

South Sioux City and Dakota County

South Sioux City is in Dakota County, Nebraska. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

South Sioux City's own numbers

Typical home value
$174,700
Typical monthly rent
$1,127
Typical yearly household income
$68,223
Households that own their home
56%
Effective property tax rate
1.77%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Dakota County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,194
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
2.3%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Dakota County.

Everything about Dakota County

Buying

Buying a home in South Sioux City

A typical home in South Sioux City is worth $174,700: 6% below the county and 27% below Nebraska. With the typical household income in South Sioux City ($68,223 a year), a typical home costs 2.6 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • South Sioux City 2.6 years
  • Dakota 2.6 years
  • Nebraska 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Dakota County

According to FHFA’s house price index, home prices in Dakota County rose 99% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Dakota County.

Period County Nebraska U.S.
Last year (2025) +4.7% +3.3% +2.9%
5 years (2020–2025) +61% +49% +47%
10 years (2015–2025) +99% +87% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

South Sioux City next to Dakota County, Nebraska and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • South Sioux City $174,700
  • Dakota $185,700
  • Nebraska $238,600
  • United States $332,700
Typical monthly rent
  • South Sioux City $1,127
  • Dakota $1,069
  • Nebraska $1,072
  • United States $1,413
Typical yearly household income
  • South Sioux City $68,223
  • Dakota $70,329
  • Nebraska $76,475
  • United States $80,734
See the full table
South Sioux City next to Dakota County and Nebraska
Measure South Sioux City Dakota County Nebraska U.S.
Typical home value $174,700 $185,700 $238,600 $332,700
Typical monthly rent $1,127 $1,069 $1,072 $1,413
Typical yearly household income $68,223 $70,329 $76,475 $80,734
Households that own their home 56% 64% 67% 65%
Typical yearly property tax $3,085 $2,854 $3,549 $3,119
Effective property tax rate 1.77% 1.54% 1.49% 0.94%
Renters with high rent for their income 48% 44% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Dakota County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in South Sioux City

For a typical $174,700 home in South Sioux City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, South Sioux City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,570a month

    Least cash to close
    Down payment
    $6,115
    Cash to close
    $11,356
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $77

  • Conventional, 5% down $1,538a month

    Down payment
    $8,735
    Cash to close
    $13,976
    Rate
    7.18%
    Mortgage insurance
    PMI · $83

  • Conventional, 20% down, no PMI $1,277a month

    Down payment
    $34,940
    Cash to close
    $40,181
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,439a month

    Down payment
    $26,205
    Cash to close
    $31,446
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for South Sioux City and for Dakota County.

Property tax

Effective rate in South Sioux City

1.77%of the home’s value each year

$3,085 a year for the typical owner in South Sioux City.

  • South Sioux City 1.77%
  • Dakota 1.54%
  • Nebraska 1.49%

What Nebraska publishes Homestead exemption for seniors, people with disabilities and veterans (Nebraska Department of Revenue, Property Assessment Division)

Exemptions and deadlines in Nebraska

Flood risk in Dakota County

FEMA does not publish these numbers by city: they are for all of Dakota County.

Homes in the high-risk zone
2.3%
165
Of those, with NFIP insurance
9.1%
County Nebraska U.S.
Homes in the high-risk zone 2.3% 3.5% 3.5%
Of those, with NFIP insurance 9.1% 15% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in South Sioux City

Typical rent in South Sioux City is $1,127 a month: 5% above the county. In South Sioux City, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Dakota County, by unit size. To pay the 2-bedroom one ($1,194 a month) without spending more than 30% of your income, you would need to earn $22.96 an hour working full time.

HUD fair market rent for all of Dakota County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $831 $15.98 $33,240
1 bedroom $965 $18.56 $38,600
2 bedrooms $1,194 $22.96 $47,760
3 bedrooms $1,447 $27.83 $57,880
4 bedrooms $1,618 $31.12 $64,720

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in South Sioux City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). South Sioux City is in ZIP code 68776.

For 2 bedrooms it is $1,260: $66 more than the fair market rent for Dakota County ($1,194).

  • 68776 $1,260$1,530

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for South Sioux City when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in South Sioux City

HUD lists 9 buildings with rents for lower incomes in South Sioux City. These are the largest.

  • Canterbury Village Apts 2513 Willow St, South Sioux City 68776 96 low-income homes · In service since 2010
  • Stepping Stone Apartments 2501 Willow St, South Sioux City 68776 96 homes, 88 low-income · For families (402) 494-5178
  • Riverfront Apts 860 Riverview Dr, South Sioux City 68776 84 low-income homes · In service since 1995
  • Cherry Ridge Apts 800 Riverview Dr, South Sioux City 68776 48 low-income homes · In service since 2011
  • Liberty Place 800 W 25th St, South Sioux City 68776 48 low-income homes · In service since 2011

See all 10 buildings in Dakota County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in South Sioux City

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Dakota County. The nearest ones are below; many serve by phone or online.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in South Sioux City

No down payment, repair or rent-help program on our list is for South Sioux City or Dakota County. The ones below are statewide in Nebraska: they work in South Sioux City the same as in the rest of the state.

Which programs do I qualify for? All programs in Nebraska

  • Homebuyer Assistance (HBA) Program

    Statewide in Nebraska

    Nebraska state authority program for first-time buyers: a NIFA mortgage plus a second mortgage of up to 5% of the price at 1%, over 10 years, for the down payment and closing costs. Offered by Nebraska Investment Finance Authority (NIFA).

    Repayable

    See the program Official page

  • Welcome Home Assistance (WHA)

    Statewide in Nebraska

    Nebraska state authority option that adds a second loan for the down payment and closing costs to the Welcome Home mortgage, for first-time buyers and for people who have owned a home before; the page does not state the amount. Offered by Nebraska Investment Finance Authority (NIFA).

    Type not stated

    See the program Official page

Housing counselors near South Sioux City

The HUD-approved agencies closest to the center of South Sioux City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Family Housing Advisory Services, Inc.

    2401 Lake St, Omaha · 85 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (402) 934-6741

  • Credit Advisors Foundation

    1818 S 72nd St, Omaha · 87 miles away · Spanish

    Also serves in Korean and other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (402) 514-3340

  • Credit Advisors Foundation

    1818 S 72nd St, Omaha · 87 miles away · Spanish

    Also serves in Korean and other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (402) 393-3100

All counseling agencies in Nebraska

Help in Spanish near South Sioux City

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of South Sioux City

HUD’s record names them for South Sioux City or Dakota County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

One other authority has an office in Dakota County: see the list Source: HUD

Cities

Nearby cities

The cities closest to South Sioux City, with the typical home value.

Everything about Dakota County Housing in Nebraska

Neighboring counties

If Dakota County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in South Sioux City.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about South Sioux City

Short answers with the numbers for South Sioux City and all of Dakota County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in South Sioux City?

The typical home value in South Sioux City is $174,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Dakota County it is $185,700.

How much does it cost to rent in South Sioux City?

Typical rent in South Sioux City is $1,127 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Dakota County is $1,194.

What is the FHA loan limit in South Sioux City?

South Sioux City uses the FHA limit for all of Dakota County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in South Sioux City?

The typical homeowner in South Sioux City pays $3,085 a year, according to the U.S. Census Bureau. That is 1.77% of the home’s value; in Dakota County, the rate is 1.54%.

Where can I find free help to buy or rent in South Sioux City?

We found no HUD-approved counseling agencies with an office in Dakota County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).