South Dakota · County property tax · ACS 2024
Harding County Property Taxes
The median homeowner in Harding County pays $1,863 a year, an effective rate of 1.12%, modestly below the U.S. average.
- $1,863
- Median tax / yr · Above-median bill
- 1.12%
- Effective rate · Above-median rate
- -7%
- vs U.S. average
- #20 of 66
- rank in SD
The verdict
Homeowners in Harding County pay a median $1,863 a year in property tax, an effective rate of 1.12%, more affordable than 27% of U.S. counties (Census ACS 2024).
- $1,863
- Median annual tax bill, 2024
- 1.12%
- Effective rate on median home
- #2279 of 3135
- U.S. counties by tax burden
- -7%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($166,100). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for South Dakota. Population: 1,148. Owner-occupied homes: 381.
The median annual property tax in Harding County is $1,863, which is 32% lower than the South Dakota state average and 7% below the national average. The effective tax rate is 1.12% on a median home value of $166,100. Property taxes represent 2.3% of the median household income in this county.
Harding County's rate standing among U.S. counties
Primary signal
The effective rate sits near the national middle
Harding County's 1.12% effective rate sits near the middle of 3,135 tracked counties (more affordable than 27%).
Decision signal 2
The bill sits below the South Dakota median
Homeowners in Harding County pay a median annual property tax of $1,863, modestly below the national median and well below the South Dakota state median. On a $166,100 median home, that works out to an effective rate of 1.12% once the local assessment base and millage are combined.
Decision signal 3
The latest release moved the bill up
Since 2023, the published ACS median estimate has jumped 27.6%, from $1,460 to $1,863. This compares two release estimates; it does not identify a local policy, assessment, exemption, or household-bill cause.
Decision signal 4
Near the middle of South Dakota counties by effective rate
Harding County ranks #20 of 66 counties in South Dakota by effective rate (70% of in-state counties pay a lower rate).
Decision signal 5
Income and the tax bill sit in the middle band
Property taxes in Harding County run within the commonly cited 2%-4% national benchmark, at about 2.3% of the $80,441 median household income.
Informational notice
Figures describe the median homeowner household in Harding County as reported to the Census Bureau; your parcel can differ. Not tax, legal, or financial advice: check the county assessor or a qualified professional before decisions that depend on these numbers.
How to read this county's bill
The bill here climbed steeply over 2020-2024, up 30% from $1,428 to $1,863. These ACS medians describe the reported change; they do not identify whether a levy, assessment, home value, or change in the responding households caused it.
The heaviest band is also the fullest one here: 106 of 381 owner-occupied homes (27.8%) report annual real-estate taxes above $3,000. That band has no upper edge in the source, so the county median understates the burden carried by the plurality rather than describing it.
Earnings are in the national top quarter and the rate is above the midpoint, so the median bill represents 2.3% of median household income. A headline bill conflates the dollar figure with the proportion; the two come apart here, and the ratio above is the second of them.
The share above is the median annual bill divided by median household income, a ratio of two county-level medians rather than a household-by-household figure.
What Harding County Homeowners Actually Pay
The single largest group of Harding County homeowners, 106 of 381 owner-occupied homes (27.8%), pays $3,000 or more a year. The median is one point in this spread, not a typical bill.
- Less than $800 12.6% (48)
- $800 to $1,499 26.5% (101)
- $1,500 to $1,999 8.1% (31)
- $2,000 to $2,999 15.0% (57)
- $3,000 or more 27.8% (106)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
38 homes here (10.0%) report no real estate tax at all. Exemptions are set by state: how South Dakota handles assessments and appeals.
With vs Without Mortgage
In Harding County, mortgaged homeowners actually pay 24% less than those without a mortgage, a mild inversion from the national norm worth cross-checking against the historical table above.
Harding County's effective rate vs peers
Effective property tax rate (median tax ÷ median home value), ACS 2024.
Harding County's effective rate is higher than 70% of the 66 counties in South Dakota - ranking #20 of 66.
Where Harding County sits among every U.S. county
Effective property tax rate (median tax ÷ median home value)
1.12% more affordable than 27% of 3,135 U.S. counties
Show national distribution
Each bar is a band; taller bars hold more U.S. counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2024
What changed since 2020
The median bill in Harding County moved from $1,428 in the 2020 release to $1,863 in 2024, a change of about 30%. These are American Community Survey 5-year estimates compared across releases that share only one sample year, which is why this page never compares consecutive releases: those overlap in four years of the same households and move mostly on sampling.
Harding County vs Benchmarks
| Metric | Harding County | South Dakota Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax Above-median bill | |||
| Effective Tax Rate Above-median rate | |||
| Median Home Value | |||
| Tax as % of income Below-median income burden | 2.3% | - | - |
Source: U.S. Census Bureau, ACS 5-Year Estimates. Tax-burden differences across rows reflect millage decisions, assessment-ratio practices, and the residential-vs-commercial mix of each tax base.
Harding County is PAR · MID on ACS medians, still verify your parcel card before quoting the county figure. Estimate appeal savings · South Dakota counties.
Harding County rate trail · PAR
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $1,863 +27.6% | 1.12% |
| 2023 | $1,460 -5.1% | 0.93% |
| 2022 | $1,538 +3.9% | 1.20% |
| 2021 | $1,480 +3.6% | 1.51% |
| 2020 | $1,428 | 1.47% |
Each row is a separate ACS 5-year release, and consecutive releases share four of their five survey years. The percentage beside each bill is therefore movement in the published estimate against the previous release, not a single year's tax change. The two releases largely describe the same households. For change over time, compare releases that do not overlap.
Harding County: tax-to-income at 2.3%
Counties near Harding County's effective rate
On effective rate, Harding County sits nearest Fayette County (PA), Allen County (OH), Sargent County (ND).
On published median-tax change, the nearest matches are Leelanau County (MI), Iowa County (IA), St. Joseph County (IN).
How peers are chosen
These are the nearest cross-state matches in the published Census data, not neighboring counties or recommendations. Peers are rebuilt with each data release; see the calculation method.
Similar effective rates
Similar published median-tax changes, 2020–2024
IRS county file: no disclosed Harding County Schedule A rows
The IRS county file records no returns reporting real estate taxes on Schedule A for Harding County. That is a limit of the published data rather than a finding about the county: county-level figures are withheld where the counts are too small to disclose safely, which is common in places with few filers. Roughly one county in sixteen is in this position, so the filer view available elsewhere on this site is simply not available here. Source: IRS Statistics of Income county data.
Other Counties in South Dakota
Harding County rate FAQs
- What is the average property tax in Harding County, South Dakota?
- The median annual property tax in Harding County is $1,863, an effective rate of 1.12% on a $166,100 median home (Census ACS, 2024).
- What is the tax affordability score for Harding County?
- Harding County, South Dakota scores C- (54/100) on PlainPropertyTax's tax affordability composite across 5 Census ACS dimensions (effective rate, bill size, income share, mortgage gap, and home-value/income). Its strongest scored dimension here is mortgage premium at A+ ($-530). The score compares published county medians to U.S. percentiles, it is not a personal bill and not advice to buy, sell, appeal, or relocate.
- How does Harding County property tax compare to the national average?
- Property taxes in Harding County run modestly below the national median of $1,993, an effective rate of 1.12% versus 0.92% nationally.
- Are property taxes increasing in Harding County?
- The ACS median property-tax bill for Harding County is recorded at $1,863 in the 2024 5-year release against $1,428 in 2020. That is a large swing, and it should be read as movement in a survey estimate rather than as a tax change: the median here rests on about 381 owner-occupied homes, and swings above 50% are roughly twelve times more common in the smallest counties than in the largest. Treat the two figures as imprecise and check the county assessor for actual rate changes.
- What percentage of income goes to property taxes in Harding County?
- Property taxes in Harding County run within the commonly cited 2%-4% national benchmark, at about 2.3% of the $80,441 median household income.
What to do with Harding County's PAR rate
Inside South Dakota, Harding County's $1,863 median bill runs low versus the state median - check peer counties before assuming the lowest bill is the best move. South Dakota overview →
Harding County ranks #20 of 66 South Dakota counties by effective rate - on the higher-burden half of the state ACS set. South Dakota overview →
Nationwide peers by effective rate (then bill)
Rate-first peers for Harding County's PAR effective rate, then a disjoint out-of-state bill set so the two neighborhoods stay distinct.
Similar effective rate
Nearest out-of-state counties by ACS effective rate. This county: 1.12%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $1,863/yr. Rate peers are excluded so the two link sets stay distinct.
Read with Harding County
Nearest ABS(median_tax) ACS peers for Harding County (PAR · MID), replacing the old fixed Keep exploring strip.
PAR MID
Chickasaw County, IA
ABS(median_tax) peer · tied with Harding County at $1,863/yr; rate 1.02% vs Harding County 1.12%.
Hamilton County, TX
ABS(median_tax) peer · tied with Harding County at $1,863/yr; rate 1.26% vs Harding County 1.12%.
Mackinac County, MI
ABS(median_tax) peer · tied with Harding County at $1,863/yr; rate 1.07% vs Harding County 1.12%.
Botetourt County, VA
ABS(median_tax) peer · $1,862/yr (near-tied bill ABS $1); rate 0.64% vs Harding County 1.12%.
South Dakota county set
State ACS overview for every published South Dakota county rate and median bill.
Assessment cycle basics
Harding County stamps PAR · MID - how assessed value and millage become the ACS median bill.
Data vintage and method
Data as of 2024. Source: U.S. Census Bureau, American Community Survey 5-Year Estimates.
Property tax data reflects median amounts paid by homeowners. Effective rates are calculated as median tax divided by median home value.
Source: U.S. Census Bureau American Community Survey 5-Year Estimates, county median real-estate taxes · 2024 Harding County (PAR · MID) - ACS medians, not a parcel bill.