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Rapid City, SD

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US location · verified

Neighborhood intelligence

Your Rapid City relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Rapid City.

Median rent

$1,109/mo

ACS 2024 5-year

Median household income

$70,870

ACS 2024 5-year

Median home value

$299,400

ACS 2024 5-year

Safety score

40/100

FBI CDE

Weather

60°F (H 71° / L 49°)

Open-Meteo

Buying in Rapid City? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

40/100

FBI CDE

Worth extra due diligence — 94% above average FBI data, 2023–2024

Average

Noise Level

40 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 60°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 79 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Rapid City SD

Rapid City is one of the more affordable options in its region at $1,109/month typical rent. Safety scores 40/100.

Rapid City has about 77,946 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Rapid City SD Safe?

Rapid City SD scores 40/100 on safety (well below average). Crime is about 94% above the national average. Research block-level crime data and visit after dark before you commit.

Detail: overall crime index 194 (100 = avg); violent crime index 192; property crime index 196. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Rapid City SD

School quality varies by neighborhood in Rapid City. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Rapid City SD

Typical rent in Rapid City is about $1,109/month (affordable). At $1,109/month for a typical unit, you need about $39,924+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $299,400.

Median household income is $70,870, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($70,870) clears the $39,924 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Rapid City SD

Average temperature is about 60°F (highs near 71°F, lows near 49°F).

You can be outside most of the year without extreme gear. Heating and cooling costs are usually moderate compared with hotter or colder metros. If you visit, go in winter or midsummer (not only in spring) to see the extremes.

Who Should Move to Rapid City SD?

Who tends to thrive in Rapid City: (1) Renters who want $1,109/month housing without coastal prices (comfort income is about $39,924) (2) Households earning $39,924+ who can clear the 3× rent rule at $1,109/month (3) Movers with a locked job offer in Rapid City who already priced rent and commute (4) Buyers comparing mid-size metros who will tour multiple ZIPs before signing

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 40/100) (2) Households expecting top marks on rent and safety at once (Rapid City does not clear every bar) (3) People who will not research ZIP-level crime maps before leasing

Income sniff test: clear about $39,924 household income for $1,109/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Rapid City scores 40/100 on safety with $1,109/month typical rent. Run the numbers against your income before committing.

Next steps

Tools for your move

Quotes and listings for Rapid City when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Rapid City.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$2,078

Mortgage + tax + insurance + HOA

Annual property tax

$4,341

Annual est. $5,580

Est. monthly utilities

$469

Climate-adjusted electric, gas & water

Median home price

$299,400

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$269k
2022
$276k
2023
$284k
2024
$292k
2025
$299k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$969/mo vs buying
$1,109ACS 2024 5-year
Rent
$2,078
Buy

Mortgage

$1,514

Property tax

$362

Insurance

$107

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$3,973/yr

2024

1.37%

$4,092/yr

2025

1.41%

$4,215/yr

2026

1.45%

$4,341/yr

Buying in Rapid City? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

20 (100 = avg)

low exposure

Est. annual homeowners insurance

$1,283/yr

moderate exposure
Wind hazard index79 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 60°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $1,283.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Rapid City to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo