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City · 28,189 residents · Brown County, South Dakota

Aberdeen , South Dakota

In Aberdeen, a typical home is worth $217,300 and typical rent is $762 a month. Compared with all of Brown County, typical household income is 9% lower and the share of households that own their home is 6 points lower.

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  • Typical home value

    $217,300

    About the same as the county

    16% below South Dakota

    • Aberdeen
    • Brown
    • South Dakota

  • Typical rent

    $762a month

    About the same as the county

    19% below South Dakota

    • Aberdeen
    • Brown
    • South Dakota

  • Typical household income

    $64,405a year

    9% below the county

    14% below South Dakota

    • Aberdeen
    • Brown
    • South Dakota

  • Households that own their home

    62%

    6 points below the county

    7 points below South Dakota

    • Aberdeen
    • Brown
    • South Dakota

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

Market now, with Zillow data

Zillow data
Typical home value
$243,640
5.5% more than 12 months ago
Typical rent
$1,098 a month
12.7% more than 12 months ago

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

Aberdeen is in Brown 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 Brown County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Aberdeen apart

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

  1. Aberdeen has the lowest typical rent of the 19 cities in South Dakota with more than 5,000 people: $762.

  2. Nearby, in Huron, the typical home value is $159,000: 27% less than in Aberdeen ($217,300).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Aberdeen rose 5.5%; in South Dakota, it rose 2.3%.

  4. 62% of households in Aberdeen own their home, against 68% in Brown County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Aberdeen

What homes there are in Aberdeen, 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

In Aberdeen, 6 in 10 homes are single-family detached houses; in Brown County, 6.

Year built

By age, homes in Aberdeen look like those in Brown County: the typical year built is 1972.

Homes in Aberdeen are smaller: 53% have 3 bedrooms or more; in Brown 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 loan limit for Brown County is $541,287, and about 94% of owner-occupied homes in Aberdeen are worth less than that.

Monthly rent with utilities

About 76% of rented homes in Aberdeen cost less than HUD's 2-bedroom fair market rent for Brown County ($1,014).

With a mortgage

$1,524 a month

Brown County: $1,541 a month

Without a mortgage

$584 a month

Brown County: $605 a month

Owners with a mortgage

65%

Brown County: 59%

Owning costs about the same in Aberdeen as in Brown County: with a mortgage, $1,524 a month; without one, $584.

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 Aberdeen rose 34% since 2015–2019, about the same as in Brown County (33%).

Much as in Brown County, the typical rent in Aberdeen rose 11% since 2015–2019.

The typical household income in Aberdeen rose 22% over that time; home values changed +34% and rent +11%.

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

MeasureAberdeenBrown CountySouth DakotaUnited States
Rental vacancy 8.9%9.1%6.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.3%3.4%
People per household 2.182.262.392.53
Drive alone 79%79%77%69%
Carpool 11%10%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 3%3%3%3%
Work from home 5%6%10%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

Much as in Brown County, the rental vacancy rate in Aberdeen is 8.9%.

By size, households in Aberdeen look like those in Brown County: 2.18 people on average.

To get to work, 79% of workers in Aberdeen drive alone; in Brown County, 79%.

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 Aberdeen?

A typical home is tight for the typical income

We start with a typical home in Aberdeen, worth $217,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Aberdeen, which is $64,405 a year. For that payment to be 28% of income, a household would need to earn about $79,646 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Aberdeen. 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 $7,606 (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

$1,858

at 7.18% · 30 years

Loan amount
$213,364
Total interest
$306,980
Paid off in
November 2056

Includes $3,670 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,503 a month

  • Tight

    $1,503 to $1,932 a month

    Your payment · 35%

  • Hard

    more than $1,932 a month

Compared with the typical household income in Aberdeen ($64,405 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,858
Principal & interest$1,445
Property tax$226
Home insurance$91
FHA mortgage insurance (MIP)$96

You need at least $7,606 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

Aberdeen and Brown County

Aberdeen is in Brown County, South Dakota. 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).

Aberdeen's own numbers

Typical home value
$217,300
Typical monthly rent
$762
Typical yearly household income
$64,405
Households that own their home
62%
Effective property tax rate
1.25%

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

Numbers for all of Brown County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+35%
Homes in a high flood-risk zone
5.2%

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 Brown County.

Everything about Brown County

Buying

Buying a home in Aberdeen

A typical home in Aberdeen is worth $217,300: about the same as the county and 16% below South Dakota. With the typical household income in Aberdeen ($64,405 a year), a typical home costs 3.4 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.

  • Aberdeen 3.4 years
  • Brown 3.1 years
  • South Dakota 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Brown County

According to FHFA’s house price index, home prices in Brown County rose 55% in the 10 years through 2025.

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

Period County South Dakota U.S.
Last year (2025) +1.8% +3.1% +2.9%
5 years (2020–2025) +35% +50% +47%
10 years (2015–2025) +55% +85% +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

Aberdeen next to Brown County, South Dakota and the U.S.

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

Typical home value
  • Aberdeen $217,300
  • Brown $221,100
  • South Dakota $257,400
  • United States $332,700
Typical monthly rent
  • Aberdeen $762
  • Brown $777
  • South Dakota $946
  • United States $1,413
Typical yearly household income
  • Aberdeen $64,405
  • Brown $70,898
  • South Dakota $75,081
  • United States $80,734
See the full table
Aberdeen next to Brown County and South Dakota
Measure Aberdeen Brown County South Dakota U.S.
Typical home value $217,300 $221,100 $257,400 $332,700
Typical monthly rent $762 $777 $946 $1,413
Typical yearly household income $64,405 $70,898 $75,081 $80,734
Households that own their home 62% 68% 69% 65%
Typical yearly property tax $2,719 $2,598 $2,724 $3,119
Effective property tax rate 1.25% 1.18% 1.06% 0.94%
Renters with high rent for their income 46% 46% 40% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Brown 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 Aberdeen

For a typical $217,300 home in Aberdeen, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Aberdeen's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,858a month

    Least cash to close
    Down payment
    $7,606
    Cash to close
    $14,125
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $96

  • Conventional, 5% down $1,819a month

    Down payment
    $10,865
    Cash to close
    $17,384
    Rate
    7.18%
    Mortgage insurance
    PMI · $103

  • Conventional, 20% down, no PMI $1,495a month

    Down payment
    $43,460
    Cash to close
    $49,979
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,695a month

    Down payment
    $32,595
    Cash to close
    $39,114
    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 Aberdeen and for Brown County.

Property tax

Effective rate in Aberdeen

1.25%of the home’s value each year

$2,719 a year for the typical owner in Aberdeen.

  • Aberdeen 1.25%
  • Brown 1.18%
  • South Dakota 1.06%

What South Dakota publishes Owner-occupied classification (South Dakota Department of Revenue (Owner-Occupied Classification tax fact, July 2026))

Exemptions and deadlines in South Dakota

Flood risk in Brown County

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

Homes in the high-risk zone
5.2%
884
Of those, with NFIP insurance
8.1%
County South Dakota U.S.
Homes in the high-risk zone 5.2% 2.3% 3.5%
Of those, with NFIP insurance 8.1% 14% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Aberdeen

Typical rent in Aberdeen is $762 a month: about the same as the county. In Aberdeen, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Brown County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Brown 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 $706 $13.58 $28,240
1 bedroom $775 $14.90 $31,000
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,283 $24.67 $51,320
4 bedrooms $1,584 $30.46 $63,360

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 Aberdeen

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Aberdeen is in ZIP code 57401.

For 2 bedrooms it is $1,010: $4 less than the fair market rent for Brown County ($1,014).

  • 57401 $1,010$1,290

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Aberdeen 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 Aberdeen

HUD lists 16 buildings with rents for lower incomes in Aberdeen. These are the largest.

  • The Homestead 2222 3rd Ave SE, Aberdeen 57401 100 low-income homes · Run by Aberdeen Housing & Redevelopment Commission · Average payment: $447 a month · Average wait: 19 months · Homes at several sites (605) 226-2321
  • Dakota Square 1902 N Dakota St, Aberdeen 57401 55 low-income homes · For families (701) 258-0018
  • The Sherman 223 S Main St, Aberdeen 57401 51 low-income homes · For older adults (605) 225-9095
  • Fifth Avenue South 506 S 1st St, Aberdeen 57401 50 homes, 49 low-income · For older adults (605) 225-1882
  • Acadia Creek Townhomes 1737 20th Ave SE, Aberdeen 57401 48 low-income homes · 2 bd: 24 · 3 bd: 24 · In service since 2013

See all 16 buildings in Brown County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Aberdeen

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.

There is 1 HUD-approved agency with an office in Brown County; 1 says it serves in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Aberdeen

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

Which programs do I qualify for? All programs in South Dakota

  • Fixed Rate Plus

    Statewide in South Dakota

    South Dakota state authority mortgage with 3% or 5% of the loan for the down payment and closing costs, as a 0% second mortgage with no payments, repaid when you sell or pay off the home. Offered by South Dakota Housing Development Authority.

    Deferred

    See the program Official page

  • South Dakota Housing Tax Credit (MCC)

    Statewide in South Dakota

    South Dakota state authority certificate that turns part of your mortgage interest into a credit on your federal taxes, of up to $2,000 a year while you live in the home and keep the original mortgage; for first-time buyers, requested through a participating lender before closing. Offered by South Dakota Housing Development Authority.

    Tax credit

    See the program Official page

Housing counselors near Aberdeen

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

  • CCCS of LSS - South Dakota

    110 6th Ave SE, Aberdeen · 1 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (605) 330-2700

  • Northeast South Dakota Community Action Program - Grow South Dakota

    104 E Ash St, Sisseton · 70 miles away

    • Budget and financial counseling
    • Home improvement and repairs
    • and 2 more
    (605) 698-7654

  • CCCS of LSS - South Dakota

    33 3rd St SE Ste 202, Huron · 77 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (888) 258-2227

Every agency in Brown County All counseling agencies in South Dakota

Help in Spanish near Aberdeen

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 Aberdeen

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

  • Aberdeen Housing & Redevelopment Commission Public housing and Section 8 vouchers (605) 226-2321

All housing agencies in South Dakota Source: HUD

Cities

Nearby cities

The cities closest to Aberdeen, with the typical home value.

Everything about Brown County Housing in South Dakota

Neighboring counties

If Brown 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 Aberdeen.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Aberdeen

Short answers with the numbers for Aberdeen and all of Brown 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 Aberdeen?

The typical home value in Aberdeen is $217,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Brown County it is $221,100.

How much does it cost to rent in Aberdeen?

Typical rent in Aberdeen is $762 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Brown County is $1,014.

What is the FHA loan limit in Aberdeen?

Aberdeen uses the FHA limit for all of Brown 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 Aberdeen?

The typical homeowner in Aberdeen pays $2,719 a year, according to the U.S. Census Bureau. That is 1.25% of the home’s value; in Brown County, the rate is 1.18%.

Where can I find free help to buy or rent in Aberdeen?

There is 1 HUD-approved counseling agency with an office in Brown County. 1 says it serves in Spanish. 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).