Rent vs. Buy in Campbell County, SD

Should you rent or buy in Campbell County? Here are the numbers.

Median Home Price

$80,300

Median Rent

$713/mo

Price-to-Rent Ratio

9.4x

Homeownership Rate

82.8%

Monthly Cost Comparison

Buying (20% down, 6.5% rate)

Mortgage (P&I)$406
Property Tax$103
Insurance$27

Total Monthly$536

Renting

Monthly Rent$713
Renter's Insurance$25

Total Monthly$738

In Campbell County, buying is approximately $177/mo cheaper than renting (before equity buildup and tax benefits).

About Campbell County, South Dakota

Campbell County in South Dakota has a median household income of $66,932 and an effective property tax rate of 1.5%. With a price-to-rent ratio of 9.4x, buying is likely more cost-effective for long-term residents.

These are starting estimates based on county-level medians. Your actual costs depend on the specific property, your credit score, down payment, and dozens of other variables. Our Monte Carlo simulation models 10,000 scenarios to give you probability-weighted answers, not single-point estimates.

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Other Counties in South Dakota

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Bureau of Labor Statistics, Federal Housing Finance Agency. Estimates are based on county-level medians and may not reflect specific neighborhoods or property types. This is not financial advice — consult a licensed professional before making housing decisions.