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City · 7,086 residents · Meade County, South Dakota

Sturgis , South Dakota

In Sturgis, a typical home is worth $271,200 and typical rent is $780 a month. Compared with all of Meade County, typical rent is 38% lower, typical household income is 27% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $271,200

    13% below the county

    5% above South Dakota

    • Sturgis
    • Meade
    • South Dakota

  • Typical rent

    $780a month

    38% below the county

    18% below South Dakota

    • Sturgis
    • Meade
    • South Dakota

  • Typical household income

    $54,404a year

    27% below the county

    28% below South Dakota

    • Sturgis
    • Meade
    • South Dakota

  • Households that own their home

    67%

    6 points below the county

    2 points below South Dakota

    • Sturgis
    • Meade
    • South Dakota

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

Market now, with Zillow data

Zillow data
Typical home value
$372,605
2.1% more than 12 months ago

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

Sturgis is in Meade 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 Meade County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Sturgis apart

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

  1. The typical rent in Sturgis is $780 a month, 38% less than in Meade County as a whole ($1,264).

  2. Sturgis has the 2nd lowest typical household income of the 19 cities in South Dakota with more than 5,000 people ($54,404).

  3. Nearby, in Belle Fourche, the typical home value is $222,500: 18% less than in Sturgis ($271,200).

  4. 67% of households in Sturgis own their home, against 73% in Meade County.

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

The homes here

Housing in Sturgis

What homes there are in Sturgis, 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 Sturgis: 70% of homes, near the figure in Meade County (70%).

Year built

The typical home in Sturgis was built in 1976, 14 years before the typical one in Meade County.

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 95% of owner-occupied homes in Sturgis sit below it: they are worth less than $500,000.

Monthly rent with utilities

At least 72% of rented homes in Sturgis cost less than $1,000, below HUD's 2-bedroom fair market rent ($1,357).

With a mortgage

$1,638 a month

Meade County: $1,795 a month

Without a mortgage

$626 a month

Meade County: $657 a month

Owners with a mortgage

64%

Meade County: 55%

Owning costs less in Sturgis: with a mortgage, the typical cost is $1,638 a month; in Meade County, $1,795. Without one, $626.

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

From 2015–2019 to 2020–2024, the typical home value in Sturgis rose 67%; in Meade County, it rose 63%.

The typical rent in Sturgis rose 47% over the same time; in Meade County, it rose 44%.

Housing prices ran ahead of income in Sturgis: typical income rose 26%, against +67% 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

MeasureSturgisMeade 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 2.242.462.392.53
Drive alone 71%77%77%69%
Carpool Unreliable estimate8%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 Sturgis are smaller: 2.24 people on average; in Meade County, 2.46.

To get to work, 71% of workers in Sturgis drive alone; in Meade County, 77%.

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 Sturgis?

A typical home costs more than the typical income allows

We start with a typical home in Sturgis, worth $271,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Sturgis, which is $54,404 a year. For that payment to be 28% of income, a household would need to earn about $98,821 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Sturgis. 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 $9,492 (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

$2,306

at 7.18% · 30 years

Loan amount
$266,288
Total interest
$383,126
Paid off in
November 2056

Includes $4,580 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,269 a month

  • Tight

    $1,269 to $1,632 a month

  • Hard

    more than $1,632 a month

    Your payment · 51%

Compared with the typical household income in Sturgis ($54,404 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,306
Principal & interest$1,804
Property tax$269
Home insurance$113
FHA mortgage insurance (MIP)$120

You need at least $9,492 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

Sturgis and Meade County

Sturgis is in Meade 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).

Sturgis's own numbers

Typical home value
$271,200
Typical monthly rent
$780
Typical yearly household income
$54,404
Households that own their home
67%
Effective property tax rate
1.19%

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

Numbers for all of Meade County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,357
Price change over 5 years (FHFA)
+69%
Homes in a high flood-risk zone
3.5%

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 Meade County.

Everything about Meade County

Buying

Buying a home in Sturgis

A typical home in Sturgis is worth $271,200: 13% below the county and 5% above South Dakota. With the typical household income in Sturgis ($54,404 a year), a typical home costs 5.0 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.

  • Sturgis 5.0 years
  • Meade 4.2 years
  • South Dakota 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Meade County

According to FHFA’s house price index, home prices in Meade County rose 109% in the 10 years through 2025.

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

Period County South Dakota U.S.
Last year (2025) +9.6% +3.1% +2.9%
5 years (2020–2025) +69% +50% +47%
10 years (2015–2025) +109% +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

Sturgis next to Meade 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
  • Sturgis $271,200
  • Meade $310,900
  • South Dakota $257,400
  • United States $332,700
Typical monthly rent
  • Sturgis $780
  • Meade $1,264
  • South Dakota $946
  • United States $1,413
Typical yearly household income
  • Sturgis $54,404
  • Meade $74,790
  • South Dakota $75,081
  • United States $80,734
See the full table
Sturgis next to Meade County and South Dakota
Measure Sturgis Meade County South Dakota U.S.
Typical home value $271,200 $310,900 $257,400 $332,700
Typical monthly rent $780 $1,264 $946 $1,413
Typical yearly household income $54,404 $74,790 $75,081 $80,734
Households that own their home 67% 73% 69% 65%
Typical yearly property tax $3,222 $3,129 $2,724 $3,119
Effective property tax rate 1.19% 1.01% 1.06% 0.94%
Renters with high rent for their income 41% 38% 40% 51%

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

For a typical $271,200 home in Sturgis, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sturgis's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,306a month

    Least cash to close
    Down payment
    $9,492
    Cash to close
    $17,628
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $120

  • Conventional, 5% down $2,256a month

    Down payment
    $13,560
    Cash to close
    $21,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $129

  • Conventional, 20% down, no PMI $1,852a month

    Down payment
    $54,240
    Cash to close
    $62,376
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,102a month

    Down payment
    $40,680
    Cash to close
    $48,816
    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 Sturgis and for Meade County.

Property tax

Effective rate in Sturgis

1.19%of the home’s value each year

$3,222 a year for the typical owner in Sturgis.

  • Sturgis 1.19%
  • Meade 1.01%
  • 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 Meade County

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

Homes in the high-risk zone
3.5%
424
Of those, with NFIP insurance
14%
County South Dakota U.S.
Homes in the high-risk zone 3.5% 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 Sturgis

Typical rent in Sturgis is $780 a month: 38% below the county. In Sturgis, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Meade County, by unit size. To pay the 2-bedroom one ($1,357 a month) without spending more than 30% of your income, you would need to earn $26.10 an hour working full time.

HUD fair market rent for all of Meade 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 $945 $18.17 $37,800
1 bedroom $1,037 $19.94 $41,480
2 bedrooms $1,357 $26.10 $54,280
3 bedrooms $1,879 $36.13 $75,160
4 bedrooms $2,268 $43.62 $90,720

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 Sturgis

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sturgis is in ZIP code 57785.

For 2 bedrooms it is $1,150: $207 less than the fair market rent for Meade County ($1,357).

  • 57785 $1,150$1,600

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

HUD lists 6 buildings with rents for lower incomes in Sturgis. These are the largest.

  • Hillsview Highrise 1220 Cedar St, Sturgis 57785 80 homes, 79 low-income · Run by Meade County Housing and Redevelopment Commission · Average payment: $352 a month · Average wait: 1 month (605) 347-3384
  • Heritage Acres Apts III 2340 East Ave, Sturgis 57785 32 low-income homes · 1 bd: 28 · 2 bd: 4 · In service since 1998
  • Heritage Acres Apts IV 2340 East Ave, Sturgis 57785 32 low-income homes · 1 bd: 28 · 2 bd: 4 · In service since 2010 · For older adults
  • Key City Manor 728 Main St, Sturgis 57785 32 low-income homes · For families (605) 347-5062
  • Bluffs Edge Apts 2645 Cottontail Dr, Sturgis 57785 24 low-income homes · In service since 1994

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

Free help

Help to buy or rent in Sturgis

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

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Sturgis

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

The HUD-approved agencies closest to the center of Sturgis, 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 · 12 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 · 25 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 · 29 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 Sturgis

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 Sturgis

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

  • Meade County Housing and Redevelopment Commission Public housing and Section 8 vouchers (605) 347-3384

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

Cities

Nearby cities

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

Everything about Meade County Housing in South Dakota

Neighboring counties

If Meade 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 Sturgis.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Sturgis

Short answers with the numbers for Sturgis and all of Meade 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 Sturgis?

The typical home value in Sturgis is $271,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Meade County it is $310,900.

How much does it cost to rent in Sturgis?

Typical rent in Sturgis is $780 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Meade County is $1,357.

What is the FHA loan limit in Sturgis?

Sturgis uses the FHA limit for all of Meade 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 Sturgis?

The typical homeowner in Sturgis pays $3,222 a year, according to the U.S. Census Bureau. That is 1.19% of the home’s value; in Meade County, the rate is 1.01%.

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

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