The median home in Spearfish, South Dakota is valued at $446,586, up 0.5% year over year. Spearfish is part of the Spearfish, SD metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$446,586

+0.5%

Prices rising — worse for buyers.

Affordability

Enter your income for Spearfish.

Income (annual)

Down Payment

$89,317 on $446,586

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

Out of reach46.9% of income

Need $125,529/yr to afford.

PITI$2,929

P/I46.9%

Afford$267K

Gap-$180K

P&I $2,258Tax $488Ins $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 Spearfish 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 Spearfish, SD analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Spearfish, SD metro.

View Spearfish, SD metro

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