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.
See the full metro analysis: Spearfish, SD stress score, crash risk, and 12-month forecast →
Home Value$446,586
+0.5%
AFFORDABILITY6.50% 30yr, 20% down, county tax + SD ins. 28% per HUD.
Enter your income for Spearfish.
$89,317 on $446,586
Out of reach — 46.9% of income
Need $125,529/yr to afford.
PITI$2,929
P/I46.9%
Afford$267K
Gap-$180K
P&I $2,258Tax $488Ins $183
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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Full Spearfish, SD analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Spearfish, SD metro.
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