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City · 8,519 residents · Lincoln County, South Dakota

Harrisburg , South Dakota

In Harrisburg, a typical home is worth $312,200 and typical rent is $1,362 a month. Compared with all of Lincoln County, the typical home value is 10% lower, typical household income is 10% higher, and the share of households that own their home is 7 points higher.

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  • Typical home value

    $312,200

    10% below the county

    21% above South Dakota

    • Harrisburg
    • Lincoln
    • South Dakota

  • Typical rent

    $1,362a month

    8% above the county

    44% above South Dakota

    • Harrisburg
    • Lincoln
    • South Dakota

  • Typical household income

    $108,724a year

    10% above the county

    45% above South Dakota

    • Harrisburg
    • Lincoln
    • South Dakota

  • Households that own their home

    78%

    7 points above the county

    10 points above South Dakota

    • Harrisburg
    • Lincoln
    • South Dakota

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

Market now, with Zillow data

Zillow data
Typical home value
$364,399
about the same as 12 months ago
Typical rent
$1,389 a month
5.8% more than 12 months ago

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

Harrisburg is in Lincoln 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 Lincoln County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Harrisburg apart

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

  1. Nearby, in Vermillion, the typical rent is $764: 44% less than in Harrisburg ($1,362).

  2. Nearby, in Madison, the typical home value is $193,100: 38% less than in Harrisburg ($312,200).

  3. Harrisburg has the 2nd highest typical rent of the 19 cities in South Dakota with more than 5,000 people ($1,362).

  4. 78% of households in Harrisburg own their home, against 71% in Lincoln County.

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

The homes here

Housing in Harrisburg

What homes there are in Harrisburg, 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 rules in Harrisburg: 75% of homes, more than in Lincoln County (61%).

Year built

The typical year built in Harrisburg is 2008, about the same as in Lincoln County (2005).

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

$1,851 a month

Lincoln County: $1,937 a month

Without a mortgage

$739 a month

Lincoln County: $741 a month

Owners with a mortgage

85%

Lincoln County: 67%

In Harrisburg, 85% of owners have a mortgage; their typical cost is $1,851 a month, about the same as in Lincoln County.

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

Since 2015–2019, homes in Harrisburg gained value faster than in Lincoln County: 57% against 52%.

Rents in Harrisburg rose faster than in Lincoln County: 45% since 2015–2019, against 31%.

The typical household income in Harrisburg rose 34%: less than home values (+57%) and rent (+45%).

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

MeasureHarrisburgLincoln 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 2.832.522.392.53
Drive alone 82%80%77%69%
Carpool 5%6%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 12%12%10%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

Households in Harrisburg are bigger: 2.83 people on average; in Lincoln County, 2.52.

To get to work, 82% of workers in Harrisburg drive alone; in Lincoln County, 80%.

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 Harrisburg?

A typical home is tight for the typical income

We start with a typical home in Harrisburg, worth $312,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Harrisburg, which is $108,724 a year. For that payment to be 28% of income, a household would need to earn about $113,426 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Harrisburg. 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 $10,927 (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

$2,647

at 7.18% · 30 years

Loan amount
$306,545
Total interest
$441,047
Paid off in
November 2056

Includes $5,272 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,537 a month

  • Tight

    $2,537 to $3,262 a month

    Your payment · 29%

  • Hard

    more than $3,262 a month

Compared with the typical household income in Harrisburg ($108,724 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,647
Principal & interest$2,077
Property tax$302
Home insurance$130
FHA mortgage insurance (MIP)$138

You need at least $10,927 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

Harrisburg and Lincoln County

Harrisburg is in Lincoln 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).

Harrisburg's own numbers

Typical home value
$312,200
Typical monthly rent
$1,362
Typical yearly household income
$108,724
Households that own their home
78%
Effective property tax rate
1.16%

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

Numbers for all of Lincoln 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)
+44%
Homes in a high flood-risk zone
0.7%

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 Lincoln County.

Everything about Lincoln County

Buying

Buying a home in Harrisburg

A typical home in Harrisburg is worth $312,200: 10% below the county and 21% above South Dakota. With the typical household income in Harrisburg ($108,724 a year), a typical home costs 2.9 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.

  • Harrisburg 2.9 years
  • Lincoln 3.5 years
  • South Dakota 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lincoln County

According to FHFA’s house price index, home prices in Lincoln County rose 78% in the 10 years through 2025.

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

Period County South Dakota U.S.
Last year (2025) +2.4% +3.1% +2.9%
5 years (2020–2025) +44% +50% +47%
10 years (2015–2025) +78% +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

Harrisburg next to Lincoln 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
  • Harrisburg $312,200
  • Lincoln $348,300
  • South Dakota $257,400
  • United States $332,700
Typical monthly rent
  • Harrisburg $1,362
  • Lincoln $1,260
  • South Dakota $946
  • United States $1,413
Typical yearly household income
  • Harrisburg $108,724
  • Lincoln $99,166
  • South Dakota $75,081
  • United States $80,734
See the full table
Harrisburg next to Lincoln County and South Dakota
Measure Harrisburg Lincoln County South Dakota U.S.
Typical home value $312,200 $348,300 $257,400 $332,700
Typical monthly rent $1,362 $1,260 $946 $1,413
Typical yearly household income $108,724 $99,166 $75,081 $80,734
Households that own their home 78% 71% 69% 65%
Typical yearly property tax $3,637 $3,990 $2,724 $3,119
Effective property tax rate 1.16% 1.15% 1.06% 0.94%

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

For a typical $312,200 home in Harrisburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Harrisburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,647a month

    Least cash to close
    Down payment
    $10,927
    Cash to close
    $20,293
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $138

  • Conventional, 5% down $2,589a month

    Down payment
    $15,610
    Cash to close
    $24,976
    Rate
    7.18%
    Mortgage insurance
    PMI · $148

  • Conventional, 20% down, no PMI $2,124a month

    Down payment
    $62,440
    Cash to close
    $71,806
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,412a month

    Down payment
    $46,830
    Cash to close
    $56,196
    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 Harrisburg and for Lincoln County.

Property tax

Effective rate in Harrisburg

1.16%of the home’s value each year

$3,637 a year for the typical owner in Harrisburg.

  • Harrisburg 1.16%
  • Lincoln 1.15%
  • 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 Lincoln County

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

Homes in the high-risk zone
0.7%
143
Of those, with NFIP insurance
18%
County South Dakota U.S.
Homes in the high-risk zone 0.7% 2.3% 3.5%
Of those, with NFIP insurance 18% 14% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Harrisburg

Typical rent in Harrisburg is $1,362 a month: 8% above the county.

HUD publishes a fair market rent for all of Lincoln 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 Lincoln 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 Harrisburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Harrisburg is in ZIP code 57032.

For 2 bedrooms it is $1,570: $342 more than the fair market rent for Lincoln County ($1,228).

  • 57032 $1,570$2,170

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

HUD lists 5 buildings with rents for lower incomes in Harrisburg. These are the largest.

  • Drexel Place Apts 600 Spruce St, Harrisburg 57032 48 homes, 43 low-income · 2 bd: 22 · 3 bd: 21 · In service since 2011
  • South Cliff Falls Apts & Townhomes 800 S Cliff Ave, Harrisburg 57032 44 homes, 43 low-income · 2 bd: 28 · 3 bd: 16 · In service since 2007
  • Hunter's Gate Townhomes Phase I 213 S Cliff Ave, Harrisburg 57032 30 low-income homes · 2 bd: 18 · 3 bd: 12 · In service since 2004 · For families
  • Hunters Gate Townhomes I 113 S Cliff Ave, Harrisburg 57032 30 homes, 29 low-income · 2 bd: 18 · 3 bd: 12 · In service since 2007
  • Hunter's Gate 221 S Cliff Ave, Harrisburg 57032 30 homes

See all 13 buildings in Lincoln County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Harrisburg

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

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Harrisburg

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

The HUD-approved agencies closest to the center of Harrisburg, 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 · 6 miles away · Spanish

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

  • CCCS of LSS - South Dakota

    920 Broadway Ave, Yankton · 52 miles away · Spanish

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

  • CCCS of LSS - South Dakota

    752 22nd Ave S, Brookings · 60 miles away · Spanish

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

All counseling agencies in South Dakota

Help in Spanish near Harrisburg

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 Harrisburg

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

2 other authorities have an office in Lincoln County: see the list Source: HUD

Cities

Other cities in Lincoln County

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

Everything about Lincoln County Housing in South Dakota

Nearby cities

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

Neighboring counties

If Lincoln 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 Harrisburg.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Harrisburg

Short answers with the numbers for Harrisburg and all of Lincoln 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 Harrisburg?

The typical home value in Harrisburg is $312,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lincoln County it is $348,300.

How much does it cost to rent in Harrisburg?

Typical rent in Harrisburg is $1,362 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lincoln County is $1,228.

What is the FHA loan limit in Harrisburg?

Harrisburg uses the FHA limit for all of Lincoln 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 Harrisburg?

The typical homeowner in Harrisburg pays $3,637 a year, according to the U.S. Census Bureau. That is 1.16% of the home’s value; in Lincoln County, the rate is 1.15%.

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

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