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City · 10,996 residents · Minnehaha County, South Dakota

Brandon , South Dakota

In Brandon, a typical home is worth $336,600 and typical rent is $976 a month. Compared with all of Minnehaha County, typical household income is 44% higher, the typical home value is 17% higher, and the share of households that own their home is 17 points higher.

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  • Typical home value

    $336,600

    17% above the county

    31% above South Dakota

    • Brandon
    • Minnehaha
    • South Dakota

  • Typical rent

    $976a month

    About the same as the county

    3% above South Dakota

    • Brandon
    • Minnehaha
    • South Dakota

  • Typical household income

    $110,806a year

    44% above the county

    48% above South Dakota

    • Brandon
    • Minnehaha
    • South Dakota

  • Households that own their home

    80%

    17 points above the county

    12 points above South Dakota

    • Brandon
    • Minnehaha
    • South Dakota

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

Market now, with Zillow data

Zillow data
Typical home value
$392,989
2% more than 12 months ago
Typical rent
$1,166 a month

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

Brandon is in Minnehaha 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 Minnehaha County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Brandon apart

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

  1. Brandon has the smallest share of rent-burdened renters of the 16 cities in South Dakota with more than 5,000 people: 35%.

  2. Nearby, in Madison, the typical home value is $193,100: 43% less than in Brandon ($336,600).

  3. The typical household income in Brandon is $110,806, 44% more than in Minnehaha County as a whole ($76,880).

  4. 80% of households in Brandon own their home, against 63% in Minnehaha County.

  5. The typical home in Brandon is worth $336,600, 17% more than in Minnehaha County as a whole ($287,600).

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

The homes here

Housing in Brandon

What homes there are in Brandon, 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 Brandon, 8 in 10 homes are single-family detached houses; in Minnehaha County, 6.

Year built

Homes in Brandon are newer: the typical year built is 2001; in Minnehaha County, 1987.

Homes in Brandon are bigger: 76% have 3 bedrooms or more; in Minnehaha 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
Monthly rent with utilities

With a mortgage

$2,179 a month

Minnehaha County: $1,727 a month

Without a mortgage

$700 a month

Minnehaha County: $643 a month

Owners with a mortgage

64%

Minnehaha County: 64%

In Brandon, 64% of owners have a mortgage, and their typical cost is $2,179 a month, against $1,727 in Minnehaha County. Without one it drops to $700.

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 Brandon rose 50% since 2015–2019, less than in Minnehaha County (54%).

Since 2015–2019, the typical rent in Brandon did not change clearly, according to the Census.

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

MeasureBrandonMinnehaha CountySouth DakotaUnited States
Rental vacancy Unreliable estimate6.3%6.0%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room Unreliable estimate2.2%2.3%3.4%
People per household 2.682.332.392.53
Drive alone 72%77%77%69%
Carpool 6%8%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 19%11%10%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

More people live in each home here: 2.68 on average, against 2.33 in Minnehaha County.

Working from home is more common in Brandon: 19%, against 11% in Minnehaha County.

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 Brandon?

A typical home is tight for the typical income

We start with a typical home in Brandon, worth $336,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Brandon, which is $110,806 a year. For that payment to be 28% of income, a household would need to earn about $122,171 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Brandon. 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 $11,781 (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

$2,851

at 7.18% · 30 years

Loan amount
$330,503
Total interest
$475,517
Paid off in
November 2056

Includes $5,684 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,585 a month

  • Tight

    $2,585 to $3,324 a month

    Your payment · 31%

  • Hard

    more than $3,324 a month

Compared with the typical household income in Brandon ($110,806 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,851
Principal & interest$2,239
Property tax$323
Home insurance$140
FHA mortgage insurance (MIP)$149

You need at least $11,781 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

Brandon and Minnehaha County

Brandon is in Minnehaha 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).

Brandon's own numbers

Typical home value
$336,600
Typical monthly rent
$976
Typical yearly household income
$110,806
Households that own their home
80%
Effective property tax rate
1.15%

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

Numbers for all of Minnehaha County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,228
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
1%

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 Minnehaha County.

Everything about Minnehaha County

Buying

Buying a home in Brandon

A typical home in Brandon is worth $336,600: 17% above the county and 31% above South Dakota. With the typical household income in Brandon ($110,806 a year), a typical home costs 3.0 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.

  • Brandon 3.0 years
  • Minnehaha 3.7 years
  • South Dakota 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Minnehaha County

According to FHFA’s house price index, home prices in Minnehaha County rose 85% in the 10 years through 2025.

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

Period County South Dakota U.S.
Last year (2025) +2.1% +3.1% +2.9%
5 years (2020–2025) +46% +50% +47%
10 years (2015–2025) +85% +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

Brandon next to Minnehaha 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
  • Brandon $336,600
  • Minnehaha $287,600
  • South Dakota $257,400
  • United States $332,700
Typical monthly rent
  • Brandon $976
  • Minnehaha $978
  • South Dakota $946
  • United States $1,413
Typical yearly household income
  • Brandon $110,806
  • Minnehaha $76,880
  • South Dakota $75,081
  • United States $80,734
See the full table
Brandon next to Minnehaha County and South Dakota
Measure Brandon Minnehaha County South Dakota U.S.
Typical home value $336,600 $287,600 $257,400 $332,700
Typical monthly rent $976 $978 $946 $1,413
Typical yearly household income $110,806 $76,880 $75,081 $80,734
Households that own their home 80% 63% 69% 65%
Typical yearly property tax $3,886 $3,281 $2,724 $3,119
Effective property tax rate 1.15% 1.14% 1.06% 0.94%
Renters with high rent for their income 35% 41% 40% 51%

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

For a typical $336,600 home in Brandon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Brandon's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,851a month

    Least cash to close
    Down payment
    $11,781
    Cash to close
    $21,879
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $149

  • Conventional, 5% down $2,789a month

    Down payment
    $16,830
    Cash to close
    $26,928
    Rate
    7.18%
    Mortgage insurance
    PMI · $160

  • Conventional, 20% down, no PMI $2,287a month

    Down payment
    $67,320
    Cash to close
    $77,418
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,598a month

    Down payment
    $50,490
    Cash to close
    $60,588
    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 Brandon and for Minnehaha County.

Property tax

Effective rate in Brandon

1.15%of the home’s value each year

$3,886 a year for the typical owner in Brandon.

  • Brandon 1.15%
  • Minnehaha 1.14%
  • 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 Minnehaha County

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

Homes in the high-risk zone
1%
624
Of those, with NFIP insurance
19%
County South Dakota U.S.
Homes in the high-risk zone 1% 2.3% 3.5%
Of those, with NFIP insurance 19% 14% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Brandon

Typical rent in Brandon is $976 a month: about the same as the county. In Brandon, 35% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Minnehaha County, by unit size. To pay the 2-bedroom one ($1,228 a month) without spending more than 30% of your income, you would need to earn $23.62 an hour working full time.

HUD fair market rent for all of Minnehaha 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 $941 $18.10 $37,640
1 bedroom $1,044 $20.08 $41,760
2 bedrooms $1,228 $23.62 $49,120
3 bedrooms $1,694 $32.58 $67,760
4 bedrooms $2,053 $39.48 $82,120

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 Brandon

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Brandon is in ZIP code 57005.

For 2 bedrooms it is $1,240: $12 more than the fair market rent for Minnehaha County ($1,228).

  • 57005 $1,240$1,710

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

HUD lists 7 buildings with rents for lower incomes in Brandon. These are the largest.

  • Redwood Court II 1212 E Keystone Pl, Brandon 57005 48 low-income homes · 2 bd: 24 · 3 bd: 24 · In service since 2011
  • Arrow Ridge Townhomes 1720 S Mulberry Ave, Brandon 57005 35 low-income homes · 2 bd: 26 · 3 bd: 9 · In service since 2005 · For families
  • Brandon Heights Apts 1201 E Keystone Pl, Brandon 57005 32 low-income homes · 1 bd: 6 · 2 bd: 18 · 3 bd: 8 · In service since 2014
  • Redwood Court 1205 E Redwood Blvd, Brandon 57005 32 low-income homes · 2 bd: 16 · 3 bd: 16 · In service since 2008
  • Split Rock 1100 E Teakwood St, Brandon 57005 32 low-income homes · 1 bd: 32 · In service since 1998 · For older adults

See all 99 buildings in Minnehaha County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Brandon

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 Minnehaha County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Brandon

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

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

  • Lutheran Social Services of South Dakota - CCCS

    705 E 41st St, Sioux Falls · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (605) 330-2700

  • CCCS of LSS - South Dakota

    752 22nd Ave S, Brookings · 50 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (605) 692-9636

  • CCCS of LSS - South Dakota

    920 Broadway Ave, Yankton · 64 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (605) 665-2106

Every agency in Minnehaha County All counseling agencies in South Dakota

Help in Spanish near Brandon

3 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 Brandon

In HUD’s record, no housing authority with an office in Minnehaha County is named for Brandon or Minnehaha County.

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

Cities

Other cities in Minnehaha County

These cities are also in Minnehaha County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Minnehaha County Housing in South Dakota

Nearby cities

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

Neighboring counties

If Minnehaha 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 Brandon.

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

Questions

Housing questions about Brandon

Short answers with the numbers for Brandon and all of Minnehaha 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 Brandon?

The typical home value in Brandon is $336,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Minnehaha County it is $287,600.

How much does it cost to rent in Brandon?

Typical rent in Brandon is $976 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Minnehaha County is $1,228.

What is the FHA loan limit in Brandon?

Brandon uses the FHA limit for all of Minnehaha 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 Brandon?

The typical homeowner in Brandon pays $3,886 a year, according to the U.S. Census Bureau. That is 1.15% of the home’s value; in Minnehaha County, the rate is 1.14%.

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

There is 1 HUD-approved counseling agency with an office in Minnehaha 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).