Mortgage Rates in Winner, South Dakota — March 2026
Updated March 2026 | Based on Winner market data and regional lending conditions
Winner is a growing city in South Dakota with a population of 2,897. The current 30-year fixed mortgage rate in Winner is 6.88%, which is 0.23% above the national average. With a median home price of $227,000 and a 20% down payment of $45,400, homebuyers can expect a monthly principal and interest payment of approximately $1,194.
Current Mortgage Rates in Winner, SD
Below are the current average mortgage rates available in the Winner area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.88% | 6.65% | +0.23% |
| 15-Year Fixed | 6.1% | 5.89% | +0.21% |
| 5/1 ARM | 6.33% | 6.15% | +0.18% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.13% | 6.85% | +0.28% |
Winner Housing Market Overview
The Winner housing market offers relatively affordable housing compared to many major cities. The median household income in Winner is $61,100, and the cost of living index is 89.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $62,014 to comfortably afford the median-priced home in Winner, which exceeds the current median household income.
Monthly Payment Breakdown for Winner
Based on the median home price of $227,000 with 20% down ($45,400), here is what you can expect to pay monthly in Winner:
15-Year vs. 30-Year Mortgage in Winner
Choosing a 15-year mortgage in Winner at 6.1% instead of a 30-year at 6.88% would save you $152,280 in total interest over the life of the loan. However, your monthly payment would be $1,542 instead of $1,194 — an increase of $348 per month.
Calculate Your Winner Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Winner
What are the current mortgage rates in Winner, SD?
As of March 2026, the average 30-year fixed mortgage rate in Winner, South Dakota is 6.88%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.23% above the national average of 6.65%.
How much is a monthly mortgage payment in Winner?
Based on the median home price of $227,000 with 20% down, the estimated monthly mortgage payment in Winner is $1,194 for principal and interest. Including property taxes of $253/month, the total monthly housing cost is approximately $1,447.
What income do I need to buy a home in Winner?
Using the 28% rule, you would need an annual income of approximately $62,014 to afford the median-priced home in Winner at $227,000. The median household income in Winner is $61,100. This means most households would need to either earn above the median or consider homes below $227,000.
Is Winner a good place to buy a home in 2026?
Winner offers a below-average cost of living with a cost of living index of 89.1 (national average = 100). The property tax rate in South Dakota is 1.34%, which is near the national average. Winner has a population of 2,897 and offers a very affordable lifestyle.
Mortgage Rates in Other South Dakota Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Winner, South Dakota area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.