Market Overview
Home Prices in Whitewood, SD
The median home value in Whitewood, SD is $424,215 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.4% compared to a year ago and up 1.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Whitewood are priced3% above average. Whitewood is part of the Spearfish, SD metro area.
Over the past five years, Whitewood home values have risen by approximately27.5%, reflecting strong long-term appreciation in this market.
Price History
Whitewood Home Price Trend
City Comparison
Whitewood vs. National Median
At $424,215, homes in Whitewood cost 3% above the national median of $410,000. Buyers in Whitewood should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Whitewood?
20% Down Payment
$84,843
on $424,215
Monthly P&I
$2,212/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,809/mo
incl. taxes & insurance
Income Needed
$112,360
gross annual (30% rule)
10% Down Option
$42,422
+ PMI applies
Loan Amount (20% dn)
$339,372
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 Whitewood, SD?
The median home value in Whitewood is $424,215 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.4% year-over-year.
How much have home prices changed in Whitewood?
Over the past year, home values in Whitewood have decreased by 0.4%. Over five years, prices have risen approximately 27.5%.
How much do I need to earn to buy a home in Whitewood?
To comfortably afford the median home price of $424,215 with a 20% down payment ($84,843) at today's rates (6.8%), you'd need a gross annual income of approximately $112,360. This assumes keeping total housing costs at or below 30% of gross income.
How does Whitewood compare to the national average home price?
The national median home value is approximately $410,000. At $424,215, homes in Whitewood are 3% above the national average.
What metro area is Whitewood part of?
Whitewood is part of the Spearfish, SD metropolitan area. Home prices and market conditions can vary across the broader metro region.