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🏦 Capacidad Hipotecaria en Dakota del Sur — 2026

Dakota del Sur (SD) · Sin impuesto estatal · Impuesto predial: 1.24% · Casa mediana: $275,000

Escrito por Jere Salmisto·Revisado por CalcFi Editorial·Última revisión 2026-04-19·Metodología

¿Buscas la calculadora nacional de Capacidad Hipotecaria? Ver la Capacidad Hipotecaria nacional.

En Dakota del Sur, el valor mediano de vivienda es $275,000 (Zillow ZHVI, 2026). El impuesto predial efectivo es 1.24% anual — aproximadamente $3,410/año sobre la casa mediana. El seguro de hogar promedia $3,160/año. Un comprador con 20% de enganche enfrenta un pago PITI mensual estimado de $2,079 a la tasa de referencia de 6.30% (Freddie Mac PMMS). Dakota del Sur no tiene impuesto estatal sobre el ingreso, lo que aumenta tu poder adquisitivo. Índice de costo de vida (BEA RPP): 88.1 (EE.UU. = 100). El ingreso mediano del hogar es $79,850.[1][2]

Datos clave de Dakota del Sur (2026)

Impuesto estatal

Ninguno

Casa mediana

$275,000

Impuesto predial

1.24%

Costo de vida

88.1

Ingreso mediano del hogar: $79,850 · Pago PITI estimado en casa mediana: $2,079/mes [3]

Usa la capacidad hipotecaria

Cómo funciona el cálculo

El pago mensual de una hipoteca fija se calcula con la fórmula M = P · r / (1 − (1+r)^(−n)), donde P es el principal del préstamo, r la tasa mensual (anual/12), y n el plazo en meses. En Dakota del Sur en 2026, P parte de $275,000 (Zillow ZHVI)[1] menos un enganche típico del 20%.

Sobre P&I se agregan los dos costos específicos de Dakota del Sur: impuesto predial a la tasa efectiva estatal de 1.24%[2] y seguro de hogar ($3,160/año, promedio NAIC)[4]. La tasa de referencia nacional Freddie Mac PMMS (6.30%)[5] mueve la curva del pago.

Cómo se compara Dakota del Sur

MétricaDakota del SurProm. EE.UU.IAMNMT
Casa mediana$275,000$425,000$245,000$425,000$475,000
Impuesto predial1.24%1.11%1.57%1.12%0.84%
Impuesto estatal (marginal)Ninguno~5%5.70%9.85%6.84%
Índice costo de vida88.1100.087105104

Última revisión 2026-04-19. Estimaciones 2026. Variaciones por condado y ciudad.[7]

← Ver Capacidad Hipotecaria (sin filtro de estado)
🇺🇸English version: Capacidad Hipotecaria for South Dakota →

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Preguntas frecuentes

¿Cómo funciona la capacidad hipotecaria en Dakota del Sur?
La capacidad hipotecaria combina tres inputs: (1) la fórmula de cálculo que corre localmente en tu navegador (sin enviar datos), (2) constantes financieras de Dakota del Sur para 2026 — impuesto estatal ninguno, impuesto predial 1.24%, casa mediana $275,000 — y (3) promedios nacionales para comparación. Todos los números provienen de datasets públicos primarios citados al final de esta página.

Datos financieros de Dakota del Sur (2026)

Impuesto estatal
Ninguno
Impuesto predial (efectivo)
1.24%
Valor mediano de vivienda
$275,000
Seguro de hogar (promedio)
$3,160/año
Índice costo de vida (RPP)
88.1
Abreviatura
SD
Metodología — cómo calculamos estos números

Las páginas pSEO de CalcFi combinan tres inputs: (1) la fórmula de la calculadora, que corre del lado del cliente (ningún dato sale de tu navegador); (2) constantes financieras a nivel de estado de datasets públicos primarios; y (3) benchmarks nacionales para comparación. La página de Dakota del Sur usa el impuesto predial (1.24%), el precio mediano de vivienda ($275,000), y la ausencia de impuesto estatal de las fuentes listadas más abajo.

Frecuencia de actualización: los tramos de impuesto estatal y salario mínimo se revisan anualmente tras cada sesión legislativa. Impuesto predial, precio mediano de vivienda, seguro, y cifras de costo de vida se revisan anualmente contra fuentes primarias. El dateModified de la página coincide con la fecha más reciente de revisión editorial mostrada arriba.

Limitaciones conocidas: los promedios estatales ocultan gran varianza intra-estado — el impuesto predial a nivel de condado y los precios de vivienda metropolitanos difieren significativamente de las cifras mostradas. Para cálculos más precisos, cruza la salida con el tasador de tu condado y las tablas de impuestos federales/estatales vigentes al momento de presentar tu declaración.

Sources

Every number on this page cites a primary public dataset. Last reviewed 2026-04-19 (auto-bumped on the next ISR refresh after an ETL run).

  1. Zillow Research — ZHVI (Zillow Home Value Index) + ZORI (Zillow Observed Rent Index) — www.zillow.com/research/data. Retrieved 2026-04-19.
  2. Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national mortgage rates — www.freddiemac.com/pmms. Retrieved 2026-04-19.
  3. Tax Foundation — Property Taxes Paid as % of Owner-Occupied Housing Value; State Tax Rates and Brackets; Estate/Inheritance; Social Security Taxation — taxfoundation.org/data/all/state. Retrieved 2026-04-19.
  4. U.S. Census Bureau — American Community Survey (ACS) 5-year estimates — www.census.gov/programs-surveys/acs. Retrieved 2026-04-19.
  5. NAIC Dwelling Fire, Homeowners Owners, and Homeowners Tenants Insurance Report — content.naic.org/article/homeowners-insurance-report. Retrieved 2026-04-19.
  6. State Departments of Revenue — official bracket + deduction publications (one primary URL per state; linked in the brackets table below) — taxfoundation.org/data/all/state/state-income-tax-rates. Retrieved 2026-04-19.
  7. Bureau of Economic Analysis — Regional Price Parities by State — www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area. Retrieved 2026-04-19.
  8. U.S. Department of Labor — State Minimum Wage Laws — www.dol.gov/agencies/whd/minimum-wage/state. Retrieved 2026-04-19.
  9. FRED (Federal Reserve Economic Data) — real median household income, unemployment, HPI, LFPR per state — fred.stlouisfed.org. Retrieved 2026-04-19.
  10. BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages — www.bls.gov/oes. Retrieved 2026-04-19.

CalcFi does not sell data. If you spot an error, email [email protected] with the URL and the correct figure.

Calculadoras relacionadas

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Assumptions· 2026

  • ·Front-end DTI rule: PITI ≤ 28% of gross monthly income
  • ·Back-end DTI rule: all debts ≤ 36–43% of gross monthly income
  • ·2026 conforming loan limits ($806,500 single-family)
  • ·Standard fixed-rate amortization at entered rate
When this is wrong
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Assumptions· 2026▾
  • ·Front-end DTI rule: PITI ≤ 28% of gross monthly income
  • ·Back-end DTI rule: all debts ≤ 36–43% of gross monthly income
  • ·2026 conforming loan limits ($806,500 single-family)
  • ·Standard fixed-rate amortization at entered rate
When this is wrong
  • ·Lender-specific overlays (some require stricter DTI caps)
  • ·Credit score impact on qualifying rate (affects payment ~$100–400/mo)
  • ·Jumbo loan pricing differences above conforming limit
  • ·FHA/VA/USDA program guidelines and funding fees

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Loan: $298,406

Lenders will likely approve up to $358,406 based on income + DTI. Personal-finance experts suggest staying ~80% of that ($286,725) to keep room for life — emergencies, kids, career shifts.

Affordability by DTI Rule

Annual Income$100,000
Monthly Gross$8,333
Existing Monthly Debts$500
Down Payment$60,000
Max Monthly Payment$2,333
Max Loan Amount$298,406
Max Home Price$358,406
Debt-to-Income Ratio34.0%

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Published byJere Salmisto· Founder, CalcFiReviewed byCalcFi EditorialEditorial standardsMethodologyLast verified April 21, 2026

Primary sources & authoritative references

Every formula on this page traces to a federal agency, central bank, or peer-reviewed institution. We cite the rule-makers, not secondhand blogs.

  • CFPB — Prepare to get a mortgage: affordability and debt-to-income — Consumer Financial Protection BureauFederal guidance on 43% DTI threshold and front-end ratio limits. (opens in new tab)
  • HUD — Buying a Home: income and affordability standards — U.S. Department of Housing and Urban DevelopmentHUD housing counselor guidelines on affordability ratios. (opens in new tab)
  • FRED — 30-Year Fixed Rate Mortgage Average in the United States — Federal Reserve Bank of St. LouisWeekly national benchmark rate used in affordability estimates. (opens in new tab)
  • FHFA — House Price Index — Federal Housing Finance AgencyHome price benchmarks constraining affordable purchase targets. (opens in new tab)
  • Freddie Mac — House Price Index and affordability research — Federal Home Loan Mortgage CorporationFreddie Mac affordability and pricing research behind conforming-loan sizing. (opens in new tab)
  • CFPB — Loan Estimate: standardized affordability disclosures — Consumer Financial Protection BureauTRID-standardized Loan Estimate form anchors realistic affordability math. (opens in new tab)

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