Market Overview
Home Prices in Baltic, SD
The median home value in Baltic, SD is $375,829 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.6% compared to a year ago and up 2.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Baltic are priced8% below average. Baltic is part of the Sioux Falls, SD metro area.
Over the past five years, Baltic home values have risen by approximately33.9%, reflecting strong long-term appreciation in this market.
Price History
Baltic Home Price Trend
City Comparison
Baltic vs. National Median
At $375,829, homes in Baltic cost 8% below the national median of $410,000. This makes Baltic a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Baltic?
20% Down Payment
$75,166
on $375,829
Monthly P&I
$1,960/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,489/mo
incl. taxes & insurance
Income Needed
$99,560
gross annual (30% rule)
10% Down Option
$37,583
+ PMI applies
Loan Amount (20% dn)
$300,663
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Baltic, SD?
The median home value in Baltic is $375,829 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.6% year-over-year.
How much have home prices changed in Baltic?
Over the past year, home values in Baltic have increased by 4.6%. Over five years, prices have risen approximately 33.9%.
How much do I need to earn to buy a home in Baltic?
To comfortably afford the median home price of $375,829 with a 20% down payment ($75,166) at today's rates (6.8%), you'd need a gross annual income of approximately $99,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Baltic compare to the national average home price?
The national median home value is approximately $410,000. At $375,829, homes in Baltic are 8% below the national average.
What metro area is Baltic part of?
Baltic is part of the Sioux Falls, SD metropolitan area. Home prices and market conditions can vary across the broader metro region.