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City · 15,649 residents · Davison County, South Dakota

Mitchell , South Dakota

In Mitchell, a typical home is worth $192,200 and typical rent is $851 a month. Compared with all of Davison County, typical household income is 11% lower and the typical home value is 7% lower.

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  • Typical home value

    $192,200

    7% below the county

    25% below South Dakota

    • Mitchell
    • Davison
    • South Dakota

  • Typical rent

    $851a month

    About the same as the county

    10% below South Dakota

    • Mitchell
    • Davison
    • South Dakota

  • Typical household income

    $58,620a year

    11% below the county

    22% below South Dakota

    • Mitchell
    • Davison
    • South Dakota

  • Households that own their home

    57%

    5 points below the county

    12 points below South Dakota

    • Mitchell
    • Davison
    • South Dakota

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

Market now, with Zillow data

Zillow data
Typical home value
$252,190
1% more than 12 months ago

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

Mitchell is in Davison 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 Davison County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Mitchell apart

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

  1. Mitchell has the 2nd lowest typical home value of the 19 cities in South Dakota with more than 5,000 people ($192,200).

  2. Nearby, in Huron, the typical home value is $159,000: 17% less than in Mitchell ($192,200).

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

The homes here

Housing in Mitchell

What homes there are in Mitchell, 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 Mitchell, 6 in 10 homes are single-family detached houses; in Davison County, 6.

Year built

The typical year built in Mitchell is 1972, about the same as in Davison County (1972).

There are fewer big homes in Mitchell than in Davison County: 46% have 3 bedrooms or more, against 52%.

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 96% of owner-occupied homes in Mitchell are worth less than $500,000, below the FHA loan limit for Davison County ($541,287).

Monthly rent with utilities

By rent, most homes in Mitchell cost less than HUD's 2-bedroom fair market rent ($1,087): about 71%.

With a mortgage

$1,346 a month

Davison County: $1,458 a month

Without a mortgage

$609 a month

Davison County: $614 a month

Owners with a mortgage

53%

Davison County: 53%

Owning costs less in Mitchell: with a mortgage, the typical cost is $1,346 a month; in Davison County, $1,458. Without one, $609.

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 Mitchell rose 31% since 2015–2019, about the same as in Davison County (33%).

Since 2015–2019, the typical rent in Mitchell 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

MeasureMitchellDavison 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 2.042.162.392.53
Drive alone 78%79%77%69%
Carpool 9%8%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 3%2%3%3%
Work from home 8%9%10%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

Households in Mitchell are smaller: 2.04 people on average; in Davison County, 2.16.

To get to work, 78% of workers in Mitchell drive alone; in Davison 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 Mitchell?

A typical home is tight for the typical income

We start with a typical home in Mitchell, worth $192,200, 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 Mitchell, which is $58,620 a year. For that payment to be 28% of income, a household would need to earn about $70,721 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Mitchell. 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 $6,727 (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

$1,650

at 7.18% · 30 years

Loan amount
$188,719
Total interest
$271,522
Paid off in
November 2056

Includes $3,246 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,368 a month

  • Tight

    $1,368 to $1,759 a month

    Your payment · 34%

  • Hard

    more than $1,759 a month

Compared with the typical household income in Mitchell ($58,620 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,650
Principal & interest$1,278
Property tax$207
Home insurance$80
FHA mortgage insurance (MIP)$85

You need at least $6,727 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

Mitchell and Davison County

Mitchell is in Davison 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).

Mitchell's own numbers

Typical home value
$192,200
Typical monthly rent
$851
Typical yearly household income
$58,620
Households that own their home
57%
Effective property tax rate
1.29%

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

Numbers for all of Davison County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,087
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
1.3%

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 Davison County.

Everything about Davison County

Buying

Buying a home in Mitchell

A typical home in Mitchell is worth $192,200: 7% below the county and 25% below South Dakota. With the typical household income in Mitchell ($58,620 a year), a typical home costs 3.3 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.

  • Mitchell 3.3 years
  • Davison 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 Davison County

According to FHFA’s house price index, home prices in Davison County rose 71% in the 10 years through 2025.

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

Period County South Dakota U.S.
Last year (2025) +2.8% +3.1% +2.9%
5 years (2020–2025) +47% +50% +47%
10 years (2015–2025) +71% +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

Mitchell next to Davison 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
  • Mitchell $192,200
  • Davison $205,800
  • South Dakota $257,400
  • United States $332,700
Typical monthly rent
  • Mitchell $851
  • Davison $847
  • South Dakota $946
  • United States $1,413
Typical yearly household income
  • Mitchell $58,620
  • Davison $66,208
  • South Dakota $75,081
  • United States $80,734
See the full table
Mitchell next to Davison County and South Dakota
Measure Mitchell Davison County South Dakota U.S.
Typical home value $192,200 $205,800 $257,400 $332,700
Typical monthly rent $851 $847 $946 $1,413
Typical yearly household income $58,620 $66,208 $75,081 $80,734
Households that own their home 57% 61% 69% 65%
Typical yearly property tax $2,482 $2,526 $2,724 $3,119
Effective property tax rate 1.29% 1.23% 1.06% 0.94%
Renters with high rent for their income 40% 39% 40% 51%

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

For a typical $192,200 home in Mitchell, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mitchell's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,650a month

    Least cash to close
    Down payment
    $6,727
    Cash to close
    $12,493
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $85

  • Conventional, 5% down $1,615a month

    Down payment
    $9,610
    Cash to close
    $15,376
    Rate
    7.18%
    Mortgage insurance
    PMI · $91

  • Conventional, 20% down, no PMI $1,328a month

    Down payment
    $38,440
    Cash to close
    $44,206
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,506a month

    Down payment
    $28,830
    Cash to close
    $34,596
    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 Mitchell and for Davison County.

Property tax

Effective rate in Mitchell

1.29%of the home’s value each year

$2,482 a year for the typical owner in Mitchell.

  • Mitchell 1.29%
  • Davison 1.23%
  • 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 Davison County

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

Homes in the high-risk zone
1.3%
120
Of those, with NFIP insurance
18%
County South Dakota U.S.
Homes in the high-risk zone 1.3% 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 Mitchell

Typical rent in Mitchell is $851 a month: about the same as the county. In Mitchell, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Davison County, by unit size. To pay the 2-bedroom one ($1,087 a month) without spending more than 30% of your income, you would need to earn $20.90 an hour working full time.

HUD fair market rent for all of Davison 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 $757 $14.56 $30,280
1 bedroom $831 $15.98 $33,240
2 bedrooms $1,087 $20.90 $43,480
3 bedrooms $1,505 $28.94 $60,200
4 bedrooms $1,817 $34.94 $72,680

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 Mitchell

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mitchell is in ZIP code 57301.

For 2 bedrooms it is $1,090: $3 more than the fair market rent for Davison County ($1,087).

  • 57301 $1,090$1,510

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

HUD lists 15 buildings with rents for lower incomes in Mitchell. These are the largest.

  • Meadowlawn Plaza 200 E 15th Ave, Mitchell 57301 105 low-income homes · 1 bd: 103 · 2 bd: 2 · In service since 2017 · For families (605) 292-0502
  • Cathedral Square Apts 501 N Davison St, Mitchell 57301 80 low-income homes · 1 bd: 79 · 2 bd: 1 · In service since 2007 · For older adults
  • Cathedral Square Apartments 500 N Langdon St, Mitchell 57301 80 homes, 78 low-income · For older adults (605) 996-5507
  • Greenridge Apts 1500 N Kimball St, Mitchell 57301 48 low-income homes · 1 bd: 48 · In service since 2007 · For older adults (605) 996-8148
  • East Woods 1705 E 1st Ave, Mitchell 57301 45 homes, 44 low-income · 2 bd: 39 · 3 bd: 6 · In service since 2002

See all 15 buildings in Davison County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Mitchell

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 Davison County; 1 says it serves in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Mitchell

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

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

  • CCCS of LSS - South Dakota

    403 N. Lawler, Mitchell · 1 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (605) 996-0868

  • CCCS of LSS - South Dakota

    33 3rd St SE Ste 202, Huron · 45 miles away · Spanish

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

  • CCCS of LSS - South Dakota

    920 Broadway Ave, Yankton · 67 miles away · Spanish

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

Every agency in Davison County All counseling agencies in South Dakota

Help in Spanish near Mitchell

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 Mitchell

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

  • City of Mitchell Housing & Redevelopment Comm Public housing and Section 8 vouchers (605) 996-6811

All housing agencies in South Dakota Source: HUD

Cities

Nearby cities

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

Everything about Davison County Housing in South Dakota

Neighboring counties

If Davison 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 Mitchell.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Mitchell

Short answers with the numbers for Mitchell and all of Davison 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 Mitchell?

The typical home value in Mitchell is $192,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Davison County it is $205,800.

How much does it cost to rent in Mitchell?

Typical rent in Mitchell is $851 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Davison County is $1,087.

What is the FHA loan limit in Mitchell?

Mitchell uses the FHA limit for all of Davison 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 Mitchell?

The typical homeowner in Mitchell pays $2,482 a year, according to the U.S. Census Bureau. That is 1.29% of the home’s value; in Davison County, the rate is 1.23%.

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

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