Harrisburg, South Dakota.
Typical home $364,399 (+0.4% in a year), asking rent $1,389 (+5.8%). Sioux Falls, SD metro.
to buy the typical home at today's mortgage rate — +$984 (+106%) since Jan 2020.
- 1 year
- Up $1,376 +0%
- $363,023$364,399 since Sep 2025
- 5 years
- Up $65,372 +22%
- $299,027$364,399 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Harrisburg$1,913
- South Dakota$1,668
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 18 years.
Typical home values in Harrisburg, SD rose 0.4% over the past year — slower than the nation's +1.2%.
Asking rents in Harrisburg, SD rose 5.8% over the past year — faster than the nation's +2.7%.
Owning the typical home in Harrisburg runs $1,262/mo more than renting one. The gap peaked at $1,342 in Jul 2025.
That is $2,651 a month against $1,389 rent: a $1,913 mortgage payment, plus $348 property tax and $390 insurance & upkeep.
Owning vs renting — Harrisburg
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,651
- Renting$1,389
- Mortgage only$1,913
Property tax · $348/mo 1.15% of value a year — the ACS 2020-2024 median bill over the median home value for Lincoln County, SD
Insurance & upkeep · $390/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Harrisburg, Lincoln County, South Dakota
Harrisburg is a city of 6,732 people in Lincoln County. Half its households earn more than $108,724 a year and half less, against $99,166 across Lincoln County; 0% of its people live below the poverty line. 78% of its homes are lived in by their owners and 22% are rented. Unemployment in Lincoln County was 2.0% in August 2026, and the county had 2.7% more jobs in 2025 than the year before. The most residents work in schools and health care, then finance and property.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Harrisburg is a young city, with a younger population than most of the country, and most homes are lived in by their owners rather than rented. Household incomes run higher than across Lincoln County, and hardly anyone lives below the poverty line. A good share of adults hold a four-year degree, and typical home values sit well above what a monthly rent would suggest for those who do rent. Winters are cold and snowy, with January the coldest month, while July brings warm days, and rain and snowmelt come through the year in moderate amounts.
Work. Many residents work in schools, hospitals and social care, with banks, insurance and property, professional and business services, and shops also employing plenty of people. Across Lincoln County, the Harrisburg School District, Avera on Louise Campus and Avera Heart Hospital of South Dakota are among the largest workplaces. Unemployment is low and has held steady over the past year, and the county has added jobs. The typical commute is a modest one, and some residents work from home.
Things to do. A short drive away, the Great Plains Zoo is a good outing for a family day, and the Washington Pavilion of Arts and Science is a museum worth a visit. Skunk Creek, a river close by, suits a walk or a quiet afternoon outdoors. Those willing to go a little farther can reach Great Bear Recreation Park, a ski area, for winter days on the slopes.
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- 3,008households
- 44%of adults have a degree
- 0%below the poverty line
- 22 mintypical commute
- 12%work from home
What residents work in
Employed residents by industry, from the Census survey. Lincoln County had 30,502 jobs in 2025, 2.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 25° and lows near 6°; warmest in July, with highs near 83° and lows near 62°. About 36 inches of snow and 28 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Canton weather station, 11 miles away (NOAA).
Largest workplaces in Lincoln County
- Harrisburg School District 41-2School district857FTE
- Avera on Louise CampusGeneral medical and surgical hospitals741
- Avera Heart Hospital of South DakotaGeneral hospital504FTE
- WalmartWarehouse clubs and supercenters464
- Harvard IntegrationsPanels, prefabricated metal building, manufacturing407
- Johnson FeedGeneral freight trucking, long-distance, truckload345
- Journey Group (Sioux Falls Construction) - Sioux FallsCommercial building construction320
- Tea Area School District 41-5School district286FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 58 workplaces with 20 or more staff, 6,539 people in all across the county; Harrisburg has one of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- TornadoesVery high
- Winter weatherVery high
- Ice stormsRelatively high
- HailRelatively moderate
- Strong windRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Harrisburg’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Lincoln County and the Sioux Falls, SD metro.
Harrisburg home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Harrisburg$364,399
- South Dakota$317,874
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Harrisburg listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Harrisburg28.74%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Harrisburg96
New listings per month
Sellers arriving at the market.
- Harrisburg27
Zip codes with a Harrisburg address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Harrisburg — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.