Median home value in zip code 57374 (Spencer, SD) is $259,227, up 6.8% year over year. Part of the Sioux Falls, SD metropolitan area.

Home Value$259,227

YoY Change

+6.8%

Prices rising — worse for buyers.

Affordability

Enter your income for 57374 (Spencer).

Income (annual)

Down Payment

$51,845 on $259,227

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

Stretch28.4% of income

Above 28% but manageable with cuts.

PITI$1,777

P/I28.4%

Afford$255K

Gap-$4K

P&I $1,311Tax $283Ins $183

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

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

Metro Analysis

57374 is part of the Sioux Falls, SD metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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