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South Dakota transfer tax rules (2026)
Paid by the seller (grantor).
| Tax | Rate | Usually paid by |
|---|---|---|
| Real estate transfer fee ($0.50 per $500) | 0.1% | Seller |
South Dakota transfer tax by home price
| Home price | Buyer | Seller | By contract | Total taxes |
|---|---|---|---|---|
| $150,000 | $0 | $150 | — | $150 (0.1%) |
| $200,000 | $0 | $200 | — | $200 (0.1%) |
| $300,000 | $0 | $300 | — | $300 (0.1%) |
| $425,000 | $0 | $425 | — | $425 (0.1%) |
| $575,000 | $0 | $575 | — | $575 (0.1%) |
| $1,000,000 | $0 | $1,000 | — | $1,000 (0.1%) |
| $1,500,000 | $0 | $1,500 | — | $1,500 (0.1%) |
10% down, principal residence. Taxes split by law are shown half to each side. Exemptions (first-time buyer, senior, affordable housing) aren't applied.
South Dakota vs other states
On a $400,000 home South Dakota's taxes are $400 (0.1%), the 35th highest of 51. States nearby in the ranking:
All states: real estate transfer tax by state. Monthly payment: South Dakota mortgage calculator · how much house you can afford in South Dakota.
Sources
Checked 2026-10-23. Rates change — we re-check every state on a schedule. Confirm with your title company or closing attorney.
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Assumptions
- Transfer and recording taxes use each state's published rates; exemptions (first-time buyer, senior, affordable housing) aren't applied unless noted.
- Who pays a tax can be changed by the purchase contract; "either" means local custom or the contract decides.
- Other closing costs (lender, title, appraisal, prepaid items) vary widely — use your Loan Estimate for real numbers.
- South Dakota rules checked 2026-10-23: SDCL 43-4-21.
Frequently asked questions
How much is the transfer tax in South Dakota?+
On a $290,000 home (about the South Dakota median) the taxes come to $290, or 0.1% of the price: Real estate transfer fee ($0.50 per $500) $290 (seller).
Who pays the transfer tax in South Dakota, the buyer or the seller?+
Real estate transfer fee ($0.50 per $500): seller. Who pays can be negotiated in the purchase contract.
What are closing costs in South Dakota?+
Expect transfer and recording taxes ($290 on a $290,000 home) plus lender, title, appraisal and prepaid costs, which typically add about 2%–5% of the price nationally. Your lender's Loan Estimate shows the real numbers.
How does South Dakota compare with other states?+
On a $400,000 home, South Dakota's $400 in taxes ranks 35th highest of 50 states and DC. Delaware is highest at $16,000; 15 states charge no state transfer tax at all.
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Uses 2026 rules and limits. Last reviewed October 23, 2026. Calculator version 1.0.0. Sources: Freddie Mac (via industry summaries) — closing costs typically 2%–5% of the purchase price. Results are estimates for educational purposes, not financial, tax or lending advice. How we check our numbers. Embed this calculator on your site for free.