Minnehaha County, SD

The selected direct-evidence set shows a limited but decision-relevant range in Zillow’s current asking-rent index. In June 2026, the six ZIP/ZCTA matches run from a $1,222 ZORI in 57105 to $1,432 in 57103, a $210 spread; their median is $1,305, compared with the county ZORI of $1,291. The central search question is therefore not simply which label is lowest: it is whether a household can locate a unit whose current advertised terms fit its budget within a range where the endpoints differ meaningfully. Treat ZORI as a typical observed asking-rent index, not a quote for a particular home, unit size, or lease.

Zillow, ACS, and HUD should remain separate comparisons. Reported ZIP annual ZORI changes range from 1.5% to 5.6%, against 3.4% for the county, while one shown match has no reported year-over-year value. Separately, ACS 2024 five-year ZCTA median gross rents span $862 to $1,092, versus $978 countywide. HUD’s FY2026 two-bedroom FMR is $1,156 for every shown ZIP and the county. The ZORI values are 5.7% to 23.9% above that bedroom-specific administrative standard, a useful benchmark gap but not a like-for-like asking-rent comparison. Mechanically applying a thirty-percent rent share to the ZORI figures produces annual income reference points of $48,880 to $57,280; this is a budgeting screen, not a determination of tenant eligibility.

ACS survey estimates offer separate burden and vacancy context. The share of renter households spending at least thirty percent of income on rent ranges from 30.7% to 46.5% across the shown ZCTAs, with a 41.2% county estimate. Vacancy estimates span 2.0% to 11.5%, compared with 5.2% countywide. At opposite vacancy endpoints, 57106 has a burden estimate above the county figure, whereas 57104 has one below it. These pairings do not show that vacancy causes burden, or that either measure predicts an individual listing. For a search, use current listings to test availability and total payment, while using ACS rates only as broader survey context.

Geographic coverage is a limit on every comparison. The six shown matches are all eligible under the direct-ZORI selection rule and represent 29,436 renter households, but the direct-evidence set is not an exhaustive county inventory. Display assignment follows the largest HUD residential-address county share; 57106’s Minnehaha County share is 88.4%. ZIPs can cross county lines, and Census ZCTAs are statistical areas rather than identical USPS delivery ZIPs. Before acting on a ZIP-level comparison, verify an active listing’s asking rent and date, bedroom count, availability, recurring fees, utilities, deposit, lease length, and income or program requirements. Match any HUD comparison to the appropriate bedroom standard, and keep it distinct from both the current ZORI index and ACS survey estimates.