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City · 5,804 residents · Butte County, South Dakota

Belle Fourche , South Dakota

In Belle Fourche, a typical home is worth $222,500 and typical rent is $983 a month. Compared with all of Butte County, typical household income is 14% lower, the typical home value is 9% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $222,500

    9% below the county

    14% below South Dakota

    • Belle Fourche
    • Butte
    • South Dakota

  • Typical rent

    $983a month

    About the same as the county

    4% above South Dakota

    • Belle Fourche
    • Butte
    • South Dakota

  • Typical household income

    $65,071a year

    14% below the county

    13% below South Dakota

    • Belle Fourche
    • Butte
    • South Dakota

  • Households that own their home

    66%

    11 points below the county

    3 points below South Dakota

    • Belle Fourche
    • Butte
    • South Dakota

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

Market now, with Zillow data

Zillow data
Typical home value
$347,000
2.6% more than 12 months ago

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

Belle Fourche is in Butte 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 Butte County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Belle Fourche apart

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

  1. Nearby, in Sturgis, the typical rent is $780: 21% less than in Belle Fourche ($983).

  2. 66% of households in Belle Fourche own their home, against 76% in Butte County.

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

The homes here

Housing in Belle Fourche

What homes there are in Belle Fourche, 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

The detached house is the most common home in Belle Fourche: 58% of homes, near the figure in Butte County (60%).

Year built

Homes in Belle Fourche are older: the typical year built is 1978; in Butte County, 1982.

There are fewer big homes in Belle Fourche than in Butte County: 57% have 3 bedrooms or more, against 62%.

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

At least 92% of owner-occupied homes in Belle Fourche are worth less than $500,000, below the FHA loan limit for Butte County ($541,287).

Monthly rent with utilities

With a mortgage

$1,597 a month

Butte County: $1,694 a month

Without a mortgage

$565 a month

Butte County: $614 a month

Owners with a mortgage

61%

Butte County: 52%

Owning costs less in Belle Fourche: with a mortgage, the typical cost is $1,597 a month; in Butte County, $1,694. Without one, $565.

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

Homes in Belle Fourche gained value more slowly than in Butte County: 69% since 2015–2019, against 76%.

Rents in Belle Fourche rose faster than in Butte County: 39% since 2015–2019, against 34%.

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

MeasureBelle FourcheButte CountySouth DakotaUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.0%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 2.312.442.392.53
Drive alone 78%75%77%69%
Carpool 15%11%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimate8%10%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

Households in Belle Fourche are smaller: 2.31 people on average; in Butte County, 2.44.

More people carpool to work in Belle Fourche than in Butte County: 15% against 11%.

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 Belle Fourche?

A typical home is tight for the typical income

We start with a typical home in Belle Fourche, worth $222,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Belle Fourche, which is $65,071 a year. For that payment to be 28% of income, a household would need to earn about $79,724 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Belle Fourche. 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 $7,788 (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

$1,860

at 7.18% · 30 years

Loan amount
$218,469
Total interest
$314,326
Paid off in
November 2056

Includes $3,757 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,518 a month

  • Tight

    $1,518 to $1,952 a month

    Your payment · 34%

  • Hard

    more than $1,952 a month

Compared with the typical household income in Belle Fourche ($65,071 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,860
Principal & interest$1,480
Property tax$189
Home insurance$93
FHA mortgage insurance (MIP)$98

You need at least $7,788 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

Belle Fourche and Butte County

Belle Fourche is in Butte 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).

Belle Fourche's own numbers

Typical home value
$222,500
Typical monthly rent
$983
Typical yearly household income
$65,071
Households that own their home
66%
Effective property tax rate
1.02%

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

Numbers for all of Butte County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,278
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
4.9%

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 Butte County.

Everything about Butte County

Buying

Buying a home in Belle Fourche

A typical home in Belle Fourche is worth $222,500: 9% below the county and 14% below South Dakota. With the typical household income in Belle Fourche ($65,071 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.

  • Belle Fourche 3.4 years
  • Butte 3.2 years
  • South Dakota 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Butte County

According to FHFA’s house price index, home prices in Butte County rose 102% in the 10 years through 2025.

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

Period County South Dakota U.S.
Last year (2025) −4.3% +3.1% +2.9%
5 years (2020–2025) +57% +50% +47%
10 years (2015–2025) +102% +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

Belle Fourche next to Butte 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
  • Belle Fourche $222,500
  • Butte $244,600
  • South Dakota $257,400
  • United States $332,700
Typical monthly rent
  • Belle Fourche $983
  • Butte $972
  • South Dakota $946
  • United States $1,413
Typical yearly household income
  • Belle Fourche $65,071
  • Butte $75,652
  • South Dakota $75,081
  • United States $80,734
See the full table
Belle Fourche next to Butte County and South Dakota
Measure Belle Fourche Butte County South Dakota U.S.
Typical home value $222,500 $244,600 $257,400 $332,700
Typical monthly rent $983 $972 $946 $1,413
Typical yearly household income $65,071 $75,652 $75,081 $80,734
Households that own their home 66% 76% 69% 65%
Typical yearly property tax $2,266 $2,265 $2,724 $3,119
Effective property tax rate 1.02% 0.93% 1.06% 0.94%
Renters with high rent for their income 47% 46% 40% 51%

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

For a typical $222,500 home in Belle Fourche, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Belle Fourche's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,860a month

    Least cash to close
    Down payment
    $7,788
    Cash to close
    $14,463
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $98

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

    Down payment
    $11,125
    Cash to close
    $17,800
    Rate
    7.18%
    Mortgage insurance
    PMI · $106

  • Conventional, 20% down, no PMI $1,488a month

    Down payment
    $44,500
    Cash to close
    $51,175
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,693a month

    Down payment
    $33,375
    Cash to close
    $40,050
    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 Belle Fourche and for Butte County.

Property tax

Effective rate in Belle Fourche

1.02%of the home’s value each year

$2,266 a year for the typical owner in Belle Fourche.

  • Belle Fourche 1.02%
  • Butte 0.93%
  • 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 Butte County

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

Homes in the high-risk zone
4.9%
199
Of those, with NFIP insurance
12%
County South Dakota U.S.
Homes in the high-risk zone 4.9% 2.3% 3.5%
Of those, with NFIP insurance 12% 14% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Belle Fourche

Typical rent in Belle Fourche is $983 a month: about the same as the county. In Belle Fourche, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Butte County, by unit size. To pay the 2-bedroom one ($1,278 a month) without spending more than 30% of your income, you would need to earn $24.58 an hour working full time.

HUD fair market rent for all of Butte 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 $890 $17.12 $35,600
1 bedroom $977 $18.79 $39,080
2 bedrooms $1,278 $24.58 $51,120
3 bedrooms $1,523 $29.29 $60,920
4 bedrooms $2,015 $38.75 $80,600

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 Belle Fourche

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Belle Fourche is in ZIP code 57717.

For 2 bedrooms it is $1,280: $2 more than the fair market rent for Butte County ($1,278).

  • 57717 $1,280$1,520

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

HUD lists 4 buildings with rents for lower incomes in Belle Fourche. These are the largest.

  • South Park Apts 1500 A 7th Ave, Belle Fourche 57717 40 low-income homes · For families (605) 723-0009
  • Bella Vista Village 1902 Vista St, Belle Fourche 57717 24 low-income homes · For families (605) 656-1395
  • Meadowlark Plaza 1605 5th Ave, Belle Fourche 57717 24 low-income homes · For older adults (605) 892-4381
  • Tanglewood 2120 7th Ave, Belle Fourche 57717 24 low-income homes · 1 bd: 4 · 2 bd: 14 · 3 bd: 6 · In service since 1996

See all 7 buildings in Butte County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Belle Fourche

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 Butte County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Belle Fourche

No down payment, repair or rent-help program on our list is for Belle Fourche or Butte County. The ones below are statewide in South Dakota: they work in Belle Fourche 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 Belle Fourche

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

  • Neighborworks Dakota Home Resources

    795 Main St, Deadwood · 21 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (605) 578-1401

  • Consumer Credit Counseling Service of the Black Hills

    2310 N Maple Ave, Rapid City · 50 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (605) 348-4550

  • Black Hills Children's Ranch, Inc. - Pioneer Credit Counseling

    3620 Homestead Street, Suite 1, Rapid City · 53 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (605) 348-1608

All counseling agencies in South Dakota

Help in Spanish near Belle Fourche

1 of the 3 agencies on this list says it serves 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 Belle Fourche

HUD lists no housing authority with an office in Butte County. One in a neighboring county or the state’s may serve the area.

All housing agencies in South Dakota Source: HUD

Cities

Nearby cities

The cities closest to Belle Fourche, with the typical home value.

Everything about Butte County Housing in South Dakota

Neighboring counties

If Butte 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 Belle Fourche.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Belle Fourche

Short answers with the numbers for Belle Fourche and all of Butte 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 Belle Fourche?

The typical home value in Belle Fourche is $222,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Butte County it is $244,600.

How much does it cost to rent in Belle Fourche?

Typical rent in Belle Fourche is $983 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Butte County is $1,278.

What is the FHA loan limit in Belle Fourche?

Belle Fourche uses the FHA limit for all of Butte 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 Belle Fourche?

The typical homeowner in Belle Fourche pays $2,266 a year, according to the U.S. Census Bureau. That is 1.02% of the home’s value; in Butte County, the rate is 0.93%.

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

We found no HUD-approved counseling agencies with an office in Butte 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).