The median home in Elk Point, South Dakota is valued at $277,255, up 5.6% year over year. Elk Point is part of the Sioux City, IA-NE-SD metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$277,255

+5.6%

Prices rising — worse for buyers.

Affordability

Enter your income for Elk Point.

Income (annual)

Down Payment

$55,451 on $277,255

Example: $75,000 household income. Change it above to see your own.

Stretch30.2% of income

Above 28% but manageable with cuts.

PITI$1,888

P/I30.2%

Afford$257K

Gap-$20K

P&I $1,402Tax $303Ins $183

6.50% 30yr, 20% down, county tax + SD ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in South Dakota

Compare Elk Point with other housing markets across South Dakota.

Keystone$615K South Shore$546K Hermosa$513K Florence$493K Henry$492K Wentworth$476K Renner$462K Custer$460K

Full Sioux City, IA-NE-SD analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Sioux City, IA-NE-SD metro.

View Sioux City, IA-NE-SD metro

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.

Elk Point, SD