Montrose, South Dakota.
Typical home $380,058 (+6.2% in a year). Sioux Falls, SD metro.
to buy the typical home at today's mortgage rate — +$1,160 (+139%) since Jan 2020.
- 1 year
- Up $22,299 +6%
- $357,759$380,058 since Sep 2025
- 5 years
- Up $98,471 +35%
- $281,587$380,058 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.
- Montrose$1,995
- South Dakota$1,668
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Montrose, SD rose 6.2% over the past year — faster than the nation's +1.2%.
Living in Montrose, McCook County, South Dakota
Montrose is a city of 468 people in McCook County. Half its households earn more than $78,125 a year and half less, against $83,852 across McCook County; 8% of its people live below the poverty line. Unemployment in McCook County was 1.8% in August 2026, and the county had 4.9% more jobs in 2025 than the year before. The most people in McCook County work in schools and health care, then farming.
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 It can be wrong or out of date.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. Montrose is a very small city on the South Dakota prairie, in McCook County, with a population smaller than most towns of its kind. Household incomes run a little below the county's, and homes are valued well above what incomes alone might suggest. Winters are cold, with January the coldest month, while July brings warm summer days, and the year's rain and melted snow add up to a moderate amount.
Work. Residents work mostly in schools, hospitals and social care, with farming, the building trades, and banks, insurance and property also well represented. Across McCook County, school districts are among the largest employers, including Bridgewater-Emery Schools and the McCook Central School District. Jobs in the county grew over the past year, and unemployment is low and slightly lower than it was a year earlier. A typical commute is a modest one, and few people work from home.
Things to do. Porter Sculpture Park, a museum in or beside town, is the nearest place to spend an afternoon. A short drive away are Lost Lake, Beaver Lake and Clear Lake, which suit anyone who likes time by the water.
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- 26%of adults have a degree
- 8%below the poverty line
- 24 mintypical commute
- 4%work from home
What people in McCook County work in
Employed residents by industry, from the Census survey. McCook County had 1,404 jobs in 2025, 4.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 24° and lows near 5°; warmest in July, with highs near 83° and lows near 60°. About 27 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Salem 5NE weather station, 7 miles away (NOAA).
Largest workplaces in McCook County
- Bridgewater-Emery 30-3 SchoolsSchool district54FTE
- McCook Central School District 43-7School district52FTE
- Canistota School District 43-1School district48FTE
- Montrose School District 43-2School district39FTE
- PipestoneAdministrative management and general management consulting services30
- All States Ag PartsLawn maintenance machinery and equipment merchant wholesalers24
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 2 workplaces with 20 or more staff, 54 people in all across the county; Montrose has one of its own. School districts come from the Common Core of Data (NCES, 2023–24); 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
- Winter weatherVery high
- TornadoesVery high
- Inland floodingVery high
- HailVery high
- Ice stormsVery high
- DroughtRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Montrose’s census tracts, against the rest of the country; all of them together, very high. 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 McCook County and the Sioux Falls, SD metro.
Montrose home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Montrose$380,058
- South Dakota$317,874
- United States$366,157
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
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
Not enough data to draw this yet.
Zip codes with a Montrose address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Montrose — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.