Campbell County, SD housing market

What this means

• Prices. Home values are up 9.2% over the past year (U.S.: +1.2%).
• Supply. There are 0% more homes for sale than the 2017-19 norm and falling (−67% vs. a year ago), so buyers have more to choose from than before the pandemic.
• Negotiating. Buyer leverage is high (71/100; U.S.: 54) (as of Oct 2025): homes sell for about 7.9% below their final list price (as of Nov 2025); 0% of listings had a price cut (U.S.: 26%) (as of Oct 2025).
• Affordability. A mortgage on the typical home takes 23% of the median household income (U.S.: 35%); it takes about $52k a year to keep the payment at 30% of gross pay. That includes about $1,640 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $174 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.
• Outlook. No clear direction: likely −8% to +9% over the next 12 months (62% chance of a rise).

Next 12 months

No clear direction

A rise is somewhat more likely than a fall, but not by enough to call. Likely change: −7.9% to +8.5% (80% range; middle estimate +1.6%), chance of a rise 62%, of a 5%+ drop 16%.

HouseVane's model, refit every month on local market signals and national ones, trained only on data known at the time. How accurate it has been.

ZIP codes in Campbell County, SD