Market Overview
Home Prices in Humboldt, SD
The median home value in Humboldt, SD is $338,123 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.3% compared to a year ago and up 2.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Humboldt are priced18% below average. Humboldt is part of the Sioux Falls, SD metro area.
Over the past five years, Humboldt home values have risen by approximately35.4%, reflecting strong long-term appreciation in this market.
Price History
Humboldt Home Price Trend
City Comparison
Humboldt vs. National Median
At $338,123, homes in Humboldt cost 18% below the national median of $410,000. This makes Humboldt a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Humboldt?
20% Down Payment
$67,625
on $338,123
Monthly P&I
$1,763/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,239/mo
incl. taxes & insurance
Income Needed
$89,560
gross annual (30% rule)
10% Down Option
$33,812
+ PMI applies
Loan Amount (20% dn)
$270,498
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 Humboldt, SD?
The median home value in Humboldt is $338,123 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.3% year-over-year.
How much have home prices changed in Humboldt?
Over the past year, home values in Humboldt have increased by 3.3%. Over five years, prices have risen approximately 35.4%.
How much do I need to earn to buy a home in Humboldt?
To comfortably afford the median home price of $338,123 with a 20% down payment ($67,625) at today's rates (6.8%), you'd need a gross annual income of approximately $89,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Humboldt compare to the national average home price?
The national median home value is approximately $410,000. At $338,123, homes in Humboldt are 18% below the national average.
What metro area is Humboldt part of?
Humboldt is part of the Sioux Falls, SD metropolitan area. Home prices and market conditions can vary across the broader metro region.