Market Overview
Home Prices in Custer, SD
The median home value in Custer, SD is $489,701 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.8% compared to a year ago and up 3.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Custer are priced19% above average. Custer is part of the Rapid City, SD metro area.
Over the past five years, Custer home values have risen by approximately34.5%, reflecting strong long-term appreciation in this market.
Price History
Custer Home Price Trend
City Comparison
Custer vs. National Median
At $489,701, homes in Custer cost 19% above the national median of $410,000. Buyers in Custer should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Custer?
20% Down Payment
$97,940
on $489,701
Monthly P&I
$2,554/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,244/mo
incl. taxes & insurance
Income Needed
$129,760
gross annual (30% rule)
10% Down Option
$48,970
+ PMI applies
Loan Amount (20% dn)
$391,761
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 Custer, SD?
The median home value in Custer is $489,701 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.8% year-over-year.
How much have home prices changed in Custer?
Over the past year, home values in Custer have increased by 1.8%. Over five years, prices have risen approximately 34.5%.
How much do I need to earn to buy a home in Custer?
To comfortably afford the median home price of $489,701 with a 20% down payment ($97,940) at today's rates (6.8%), you'd need a gross annual income of approximately $129,760. This assumes keeping total housing costs at or below 30% of gross income.
How does Custer compare to the national average home price?
The national median home value is approximately $410,000. At $489,701, homes in Custer are 19% above the national average.
What metro area is Custer part of?
Custer is part of the Rapid City, SD metropolitan area. Home prices and market conditions can vary across the broader metro region.