Market Overview
Home Prices in Onida, SD
The median home value in Onida, SD is $259,138 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.3% compared to a year ago and up 0.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Onida are priced37% below average.
Price History
Onida Home Price Trend
2024
$252,816
$253K
—
2025
$253,195
$253K
+0.1%
2026
$259,138
$259K
+2.3%
City Comparison
Onida vs. National Median
🏠 Onida
$259,138
National Median
$410,000
At $259,138, homes in Onida cost 37% below the national median of $410,000. This makes Onida a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Onida?
20% Down Payment
$51,828
on $259,138
Monthly P&I
$1,352/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,717/mo
incl. taxes & insurance
Income Needed
$68,680
gross annual (30% rule)
10% Down Option
$25,914
+ PMI applies
Loan Amount (20% dn)
$207,310
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 Onida, SD?
The median home value in Onida is $259,138 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.3% year-over-year.
How much have home prices changed in Onida?
Over the past year, home values in Onida have increased by 2.3%.
How much do I need to earn to buy a home in Onida?
To comfortably afford the median home price of $259,138 with a 20% down payment ($51,828) at today's rates (6.8%), you'd need a gross annual income of approximately $68,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Onida compare to the national average home price?
The national median home value is approximately $410,000. At $259,138, homes in Onida are 37% below the national average.