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City · 13,948 residents · Hughes County, South Dakota

Pierre , South Dakota

In Pierre, a typical home is worth $230,700 and typical rent is $983 a month. Home values, rent and income are very close to those of all of Hughes County.

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  • Typical home value

    $230,700

    5% below the county

    10% below South Dakota

    • Pierre
    • Hughes
    • South Dakota

  • Typical rent

    $983a month

    About the same as the county

    4% above South Dakota

    • Pierre
    • Hughes
    • South Dakota

  • Typical household income

    $77,672a year

    5% below the county

    3% above South Dakota

    • Pierre
    • Hughes
    • South Dakota

  • Households that own their home

    69%

    3 points below the county

    About the same as South Dakota

    • Pierre
    • Hughes
    • South Dakota

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

Market now, with Zillow data

Zillow data
Typical home value
$298,211
3.1% more than 12 months ago
Typical rent
$1,275 a month

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

Pierre is in Hughes 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 Hughes County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pierre apart

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

  1. Nearby, in Huron, the typical home value is $159,000: 31% less than in Pierre ($230,700).

  2. Nearby, in Aberdeen, the typical rent is $762: 22% less than in Pierre ($983).

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

The homes here

Housing in Pierre

What homes there are in Pierre, 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 Pierre, 6 in 10 homes are single-family detached houses, about the same as in Hughes County.

Year built

By age, homes in Pierre look like those in Hughes County: the typical year built is 1976.

There are fewer big homes in Pierre than in Hughes County: 62% have 3 bedrooms or more, against 66%.

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

With an FHA limit of $541,287, at least 93% of owner-occupied homes in Pierre sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,553 a month

Hughes County: $1,619 a month

Without a mortgage

$643 a month

Hughes County: $653 a month

Owners with a mortgage

60%

Hughes County: 57%

Owning costs about the same in Pierre as in Hughes County: with a mortgage, $1,553 a month; without one, $643.

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 Pierre gained value more slowly than in Hughes County: 31% since 2015–2019, against 36%.

Rents in Pierre rose at about the same pace as in Hughes County: 47% since 2015–2019, against 47%.

Housing prices ran ahead of income in Pierre: typical income rose 25%, against +31% for home values and +47% for rent.

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

MeasurePierreHughes 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 2.212.302.392.53
Drive alone 79%79%77%69%
Carpool 11%11%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimate5%10%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

By size, households in Pierre look like those in Hughes County: 2.21 people on average.

To get to work, 79% of workers in Pierre drive alone; in Hughes 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 Pierre?

A typical home is tight for the typical income

We start with a typical home in Pierre, worth $230,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Pierre, which is $77,672 a year. For that payment to be 28% of income, a household would need to earn about $83,651 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pierre. 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 $8,075 (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

$1,952

at 7.18% · 30 years

Loan amount
$226,521
Total interest
$325,910
Paid off in
November 2056

Includes $3,896 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,812 a month

  • Tight

    $1,812 to $2,330 a month

    Your payment · 30%

  • Hard

    more than $2,330 a month

Compared with the typical household income in Pierre ($77,672 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,952
Principal & interest$1,535
Property tax$219
Home insurance$96
FHA mortgage insurance (MIP)$102

You need at least $8,075 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

Pierre and Hughes County

Pierre is in Hughes 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).

Pierre's own numbers

Typical home value
$230,700
Typical monthly rent
$983
Typical yearly household income
$77,672
Households that own their home
69%
Effective property tax rate
1.14%

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

Numbers for all of Hughes County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,194
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
2.2%

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 Hughes County.

Everything about Hughes County

Buying

Buying a home in Pierre

A typical home in Pierre is worth $230,700: 5% below the county and 10% below South Dakota. With the typical household income in Pierre ($77,672 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.

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

How prices have changed in Hughes County

According to FHFA’s house price index, home prices in Hughes County rose 64% in the 10 years through 2025.

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

Period County South Dakota U.S.
Last year (2025) +5.7% +3.1% +2.9%
5 years (2020–2025) +46% +50% +47%
10 years (2015–2025) +64% +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

Pierre next to Hughes 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
  • Pierre $230,700
  • Hughes $242,000
  • South Dakota $257,400
  • United States $332,700
Typical monthly rent
  • Pierre $983
  • Hughes $990
  • South Dakota $946
  • United States $1,413
Typical yearly household income
  • Pierre $77,672
  • Hughes $81,395
  • South Dakota $75,081
  • United States $80,734
See the full table
Pierre next to Hughes County and South Dakota
Measure Pierre Hughes County South Dakota U.S.
Typical home value $230,700 $242,000 $257,400 $332,700
Typical monthly rent $983 $990 $946 $1,413
Typical yearly household income $77,672 $81,395 $75,081 $80,734
Households that own their home 69% 72% 69% 65%
Typical yearly property tax $2,632 $2,659 $2,724 $3,119
Effective property tax rate 1.14% 1.1% 1.06% 0.94%
Renters with high rent for their income 37% 36% 40% 51%

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

For a typical $230,700 home in Pierre, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pierre's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,952a month

    Least cash to close
    Down payment
    $8,075
    Cash to close
    $14,996
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $102

  • Conventional, 5% down $1,910a month

    Down payment
    $11,535
    Cash to close
    $18,456
    Rate
    7.18%
    Mortgage insurance
    PMI · $110

  • Conventional, 20% down, no PMI $1,566a month

    Down payment
    $46,140
    Cash to close
    $53,061
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,779a month

    Down payment
    $34,605
    Cash to close
    $41,526
    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 Pierre and for Hughes County.

Property tax

Effective rate in Pierre

1.14%of the home’s value each year

$2,632 a year for the typical owner in Pierre.

  • Pierre 1.14%
  • Hughes 1.1%
  • 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 Hughes County

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

Homes in the high-risk zone
2.2%
162
Of those, with NFIP insurance
14%
County South Dakota U.S.
Homes in the high-risk zone 2.2% 2.3% 3.5%
Of those, with NFIP insurance 14% 14% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pierre

Typical rent in Pierre is $983 a month: about the same as the county. In Pierre, 37% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hughes County, by unit size. To pay the 2-bedroom one ($1,194 a month) without spending more than 30% of your income, you would need to earn $22.96 an hour working full time.

HUD fair market rent for all of Hughes 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 $900 $17.31 $36,000
1 bedroom $986 $18.96 $39,440
2 bedrooms $1,194 $22.96 $47,760
3 bedrooms $1,461 $28.10 $58,440
4 bedrooms $1,837 $35.33 $73,480

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 Pierre

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pierre is in ZIP code 57501.

For 2 bedrooms it is $1,200: $6 more than the fair market rent for Hughes County ($1,194).

  • 57501 $1,200$1,470

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

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

  • Missouri View 2511 E Irwin St, Pierre 57501 60 homes, 59 low-income · For families (719) 227-8720
  • Pierre Housing 301 W Pleasant Dr, Pierre 57501 50 low-income homes · Run by Pierre Housing & Redevelopment Commision · Average payment: $536 a month · Average wait: 8 months (605) 773-7425
  • Americana Apts 700 E Dakota Ave, Pierre 57501 42 low-income homes · For families (605) 224-7771
  • Arbordale Apts 2311 Flag Mountain Dr, Pierre 57501 24 low-income homes · 1 bd: 3 · 2 bd: 13 · 3 bd: 8 · In service since 2007 · For families
  • Betty's Place 803 N Euclid Ave, Pierre 57501 12 low-income homes · For people with disabilities (605) 256-6904

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

Free help

Help to buy or rent in Pierre

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 Hughes County; none says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Pierre

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

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

  • South Dakota Housing Development Authority

    3060 E. Elizabeth Street, Pierre · 10 miles away

    (605) 773-3181

  • CCCS of LSS - South Dakota

    33 3rd St SE Ste 202, Huron · 104 miles away · Spanish

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

  • CCCS of LSS - South Dakota

    110 6th Ave SE, Aberdeen · 117 miles away · Spanish

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

Every agency in Hughes County All counseling agencies in South Dakota

Help in Spanish near Pierre

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 Pierre

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

  • Pierre Housing & Redevelopment Commision Public housing and Section 8 vouchers (605) 773-7425

All housing agencies in South Dakota Source: HUD

Cities

Nearby cities

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

Everything about Hughes County Housing in South Dakota

Neighboring counties

If Hughes 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 Pierre.

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

Questions

Housing questions about Pierre

Short answers with the numbers for Pierre and all of Hughes 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 Pierre?

The typical home value in Pierre is $230,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hughes County it is $242,000.

How much does it cost to rent in Pierre?

Typical rent in Pierre is $983 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hughes County is $1,194.

What is the FHA loan limit in Pierre?

Pierre uses the FHA limit for all of Hughes 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 Pierre?

The typical homeowner in Pierre pays $2,632 a year, according to the U.S. Census Bureau. That is 1.14% of the home’s value; in Hughes County, the rate is 1.1%.

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

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