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City · 15,540 residents · Yankton County, South Dakota

Yankton , South Dakota

In Yankton, a typical home is worth $222,700 and typical rent is $790 a month. Compared with all of Yankton County, typical household income is 7% lower and the share of households that own their home is 6 points lower.

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  • Typical home value

    $222,700

    About the same as the county

    13% below South Dakota

    • Yankton
    • County
    • South Dakota

  • Typical rent

    $790a month

    About the same as the county

    16% below South Dakota

    • Yankton
    • County
    • South Dakota

  • Typical household income

    $67,804a year

    7% below the county

    10% below South Dakota

    • Yankton
    • County
    • South Dakota

  • Households that own their home

    66%

    6 points below the county

    2 points below South Dakota

    • Yankton
    • County
    • South Dakota

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

Market now, with Zillow data

Zillow data
Typical home value
$276,965
1.8% more than 12 months ago
Typical rent
$1,050 a month

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

Yankton is in Yankton 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 Yankton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Yankton apart

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

  1. 66% of households in Yankton own their home, against 73% in Yankton County.

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

The homes here

Housing in Yankton

What homes there are in Yankton, 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 Yankton, 7 in 10 homes are single-family detached houses; in Yankton County, 7.

Year built

The typical year built in Yankton is 1976, about the same as in Yankton County (1977).

There are fewer big homes in Yankton than in Yankton County: 52% have 3 bedrooms or more, against 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

With an FHA limit of $541,287, at least 96% of owner-occupied homes in Yankton sit below it: they are worth less than $500,000.

Monthly rent with utilities

By rent, most homes in Yankton cost less than HUD's 2-bedroom fair market rent ($1,016): about 70%.

With a mortgage

$1,394 a month

Yankton County: $1,479 a month

Without a mortgage

$548 a month

Yankton County: $558 a month

Owners with a mortgage

57%

Yankton County: 55%

The typical cost for an owner with a mortgage in Yankton is $1,394 a month, less than in Yankton County ($1,479); without one, $548.

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

Much as in Yankton County, the typical home value in Yankton rose 50% since 2015–2019.

The typical rent in Yankton rose 28% over the same time; in Yankton County, it rose 21%.

The typical household income in Yankton rose 34% over that time; home values changed +50% and rent +28%.

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

MeasureYanktonYankton CountySouth DakotaUnited States
Rental vacancy 12.8%14.0%6.0%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 2.142.222.392.53
Drive alone 79%79%77%69%
Carpool 8%9%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 5%4%3%3%
Work from home Unreliable estimate6%10%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

The rental vacancy rate in Yankton is 12.8%, lower than in Yankton County (14.0%).

A household in Yankton has 2.14 people on average, about the same as in Yankton County (2.22).

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

A typical home is tight for the typical income

We start with a typical home in Yankton, worth $222,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Yankton, which is $67,804 a year. For that payment to be 28% of income, a household would need to earn about $80,671 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Yankton. 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 $7,795 (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

$1,882

at 7.18% · 30 years

Loan amount
$218,666
Total interest
$314,609
Paid off in
November 2056

Includes $3,761 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,582 a month

  • Tight

    $1,582 to $2,034 a month

    Your payment · 33%

  • Hard

    more than $2,034 a month

Compared with the typical household income in Yankton ($67,804 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,882
Principal & interest$1,481
Property tax$210
Home insurance$93
FHA mortgage insurance (MIP)$98

You need at least $7,795 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

Yankton and Yankton County

Yankton is in Yankton 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).

Yankton's own numbers

Typical home value
$222,700
Typical monthly rent
$790
Typical yearly household income
$67,804
Households that own their home
66%
Effective property tax rate
1.13%

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

Numbers for all of Yankton County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,016
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
3.6%

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 Yankton County.

Everything about Yankton County

Buying

Buying a home in Yankton

A typical home in Yankton is worth $222,700: about the same as the county and 13% below South Dakota. With the typical household income in Yankton ($67,804 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.

  • Yankton 3.3 years
  • County 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 Yankton County

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

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

Period County South Dakota U.S.
Last year (2025) +1.9% +3.1% +2.9%
5 years (2020–2025) +46% +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

Yankton next to Yankton 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
  • Yankton $222,700
  • County $225,900
  • South Dakota $257,400
  • United States $332,700
Typical monthly rent
  • Yankton $790
  • County $781
  • South Dakota $946
  • United States $1,413
Typical yearly household income
  • Yankton $67,804
  • County $72,821
  • South Dakota $75,081
  • United States $80,734
See the full table
Yankton next to Yankton County and South Dakota
Measure Yankton Yankton County South Dakota U.S.
Typical home value $222,700 $225,900 $257,400 $332,700
Typical monthly rent $790 $781 $946 $1,413
Typical yearly household income $67,804 $72,821 $75,081 $80,734
Households that own their home 66% 73% 69% 65%
Typical yearly property tax $2,507 $2,388 $2,724 $3,119
Effective property tax rate 1.13% 1.06% 1.06% 0.94%
Renters with high rent for their income 36% 34% 40% 51%

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

For a typical $222,700 home in Yankton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Yankton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,882a month

    Least cash to close
    Down payment
    $7,795
    Cash to close
    $14,476
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $98

  • Conventional, 5% down $1,841a month

    Down payment
    $11,135
    Cash to close
    $17,816
    Rate
    7.18%
    Mortgage insurance
    PMI · $106

  • Conventional, 20% down, no PMI $1,509a month

    Down payment
    $44,540
    Cash to close
    $51,221
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,715a month

    Down payment
    $33,405
    Cash to close
    $40,086
    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 Yankton and for Yankton County.

Property tax

Effective rate in Yankton

1.13%of the home’s value each year

$2,507 a year for the typical owner in Yankton.

  • Yankton 1.13%
  • County 1.06%
  • 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 Yankton County

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

Homes in the high-risk zone
3.6%
271
Of those, with NFIP insurance
19%
County South Dakota U.S.
Homes in the high-risk zone 3.6% 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 Yankton

Typical rent in Yankton is $790 a month: about the same as the county. In Yankton, 36% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Yankton County, by unit size. To pay the 2-bedroom one ($1,016 a month) without spending more than 30% of your income, you would need to earn $19.54 an hour working full time.

HUD fair market rent for all of Yankton 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 $707 $13.60 $28,280
1 bedroom $900 $17.31 $36,000
2 bedrooms $1,016 $19.54 $40,640
3 bedrooms $1,407 $27.06 $56,280
4 bedrooms $1,602 $30.81 $64,080

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 Yankton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Yankton is in ZIP code 57078.

For 2 bedrooms it is $1,010: $6 less than the fair market rent for Yankton County ($1,016).

  • 57078 $1,010$1,410

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

HUD lists 18 buildings with rents for lower incomes in Yankton. These are the largest.

  • Canyon Ridge Apartments 1700 Locust St, Yankton 57078 60 low-income homes · For families (605) 763-5085
  • Orchard Square 418 W 15th St, Yankton 57078 60 low-income homes · For families (605) 263-3941
  • Walnut Hill Apartments 1021 Walnut St, Yankton 57078 44 low-income homes · For families (605) 665-4512
  • Apple Creek 2900 Douglas Ave, Yankton 57078 43 low-income homes · 2 bd: 20 · 3 bd: 23 · In service since 2008
  • Colonial Square Apts 802 E 13th St, Yankton 57078 42 homes, 41 low-income · For families (605) 260-6110

See all 18 buildings in Yankton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Yankton

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 Yankton County; 1 says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Yankton

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

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

  • CCCS of LSS - South Dakota

    920 Broadway Ave, Yankton · 1 miles away · Spanish

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

  • Lutheran Social Services of South Dakota - CCCS

    705 E 41st St, Sioux Falls · 55 miles away · Spanish

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

  • CCCS of LSS - South Dakota

    403 N. Lawler, Mitchell · 65 miles away · Spanish

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

Every agency in Yankton County All counseling agencies in South Dakota

Help in Spanish near Yankton

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 Yankton

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

  • Yankton Housing & Redevelopment Commission Section 8 vouchers (605) 668-5256

All housing agencies in South Dakota Source: HUD

Cities

Nearby cities

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

Everything about Yankton County Housing in South Dakota

Neighboring counties

If Yankton 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 Yankton.

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

Questions

Housing questions about Yankton

Short answers with the numbers for Yankton and all of Yankton 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 Yankton?

The typical home value in Yankton is $222,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Yankton County it is $225,900.

How much does it cost to rent in Yankton?

Typical rent in Yankton is $790 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Yankton County is $1,016.

What is the FHA loan limit in Yankton?

Yankton uses the FHA limit for all of Yankton 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 Yankton?

The typical homeowner in Yankton pays $2,507 a year, according to the U.S. Census Bureau. That is 1.13% of the home’s value; in Yankton County, the rate is 1.06%.

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

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