1st Advantage MortgageIn Bon Homme County, South Dakota, the typical household earns $64,435 a year and the typical rent is $646. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in South Dakota before sharing details.
On this page
- Getting oriented in Bon Homme County
- How much Bon Homme County households make
- Bon Homme County housing compared with South Dakota
- The Bon Homme County job picture
- Bon Homme County and the counties next door
- Cities, towns and CDPs in Bon Homme County
- Debt-to-income at Bon Homme County's medians
- People and households in Bon Homme County
- Before borrowing in Bon Homme County
- Four steps for Bon Homme County borrowers
- Lender oversight for Bon Homme County
- Nearby and statewide guides
- Frequently asked questions
Getting oriented in Bon Homme County
With an estimated 7,044 residents (ACS 2020 to 2024), Bon Homme County ranks 26th of 66 in South Dakota for population. It covers 564 square miles of land, or about 12 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. The Census Bureau counts 7 places in the county (5 incorporated, 2 census-designated); the largest is Springfield, with about 2,038 residents, or 29% of the county. Small populations mean wide margins of error, so read every Bon Homme County figure on this page as a rough guide.
How much Bon Homme County households make
Bon Homme County households have a median income of $64,435 (ACS 2020 to 2024), which ranks 52nd of 66 in South Dakota.
| Yearly household income | Bon Homme County | Gap to South Dakota |
|---|---|---|
| Under $35,000 | 24.6% | +3.7 pts |
| $35,000 to $99,999 | 47.6% | +4.1 pts |
| $100,000 to $199,999 | 23.7% | -3.6 pts |
| $200,000 or more | 4.0% | -4.1 pts |
Some 25% of households here live on less than $35,000 a year; 28% have six-figure incomes. The poverty rate is 10.6%, 1 point lower than the state's 11.9%. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Bon Homme County housing compared with South Dakota
Median gross rent, utilities included, comes to $646 in Bon Homme County versus $946 statewide. By the Census definition, 38% of Bon Homme County renters are cost-burdened. With a median value of $134,100, a typical Bon Homme County house costs 2.1 times what the median household earns in a year. Owners occupy 80% of homes. Half the housing stock was built before 1958.
| Cost | Bon Homme County | South Dakota figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $646/mo | $946/mo | $877/mo |
| Median home value | $134,100 | $257,400 | $185,300 |
| Owners | 80% | 69% | 75% |
| Rent-burdened renters | 38% | 40% | 45% |
| Burdened owners | 24% | 23% | n/a |
In an owner-heavy county like Bon Homme County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
The Bon Homme County job picture
The biggest employer of Bon Homme County residents, by industry, is education and health care at 27% of workers, followed by retail trade (13%). The sharpest difference from the state is in agriculture, forestry and mining, at 13% locally and 6% for South Dakota. The survey's unemployment rate for Bon Homme County averages 2.2% over 2020 to 2024 (state: 2.9%). Long commutes are the exception here: 7% of workers spend 45 minutes or longer getting to work.
| Industry | Share of Bon Homme County workers | vs South Dakota |
|---|---|---|
| Education and health care | 26.6% | +1.6 pts |
| Retail trade | 13.5% | +2.0 pts |
| Agriculture, forestry and mining | 12.7% | +6.4 pts |
| Manufacturing | 11.2% | +1.5 pts |
| Public administration | 6.7% | +1.8 pts |
| Construction | 5.3% | -2.4 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Bon Homme County and the counties next door
Nearest neighbors first, measured between county centers (24 to 41 miles). Douglas County leads the group on income ($86,442), Charles Mix County trails ($64,038), and Bon Homme County out-earns 1 of the six. The list crosses into Nebraska, where different lending rules and regulators apply.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Bon Homme County | - | $64,435 | $646/mo | 80% |
| Knox County, NE | 24 mi | $64,636 | $647/mo | 78% |
| Yankton County, SD | 25 mi | $72,821 | $781/mo | 73% |
| Hutchinson County, SD | 25 mi | $73,977 | $727/mo | 77% |
| Douglas County, SD | 37 mi | $86,442 | $877/mo | 77% |
| Charles Mix County, SD | 39 mi | $64,038 | $704/mo | 72% |
| Cedar County, NE | 41 mi | $73,578 | $716/mo | 80% |
Cities, towns and CDPs in Bon Homme County
Here are the 7 most populous of the county's 7 Census places, with income and rent from the same 2020 to 2024 survey. About 74% of Bon Homme County residents live in one of the 7. Scotland has the highest median household income on the list ($63,250) and Tyndall the lowest ($50,481), counting places with at least 500 residents. No Bon Homme County place has a separate guide yet; this county page serves all 7.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Springfield | city | 2,038 | $55,714 | $735 | 9 mi |
| Tyndall | city | 1,183 | $50,481 | $753 | 1 mi |
| Scotland | city | 851 | $63,250 | $593 | 14 mi |
| Avon | city | 704 | $62,361 | $594 | 9 mi |
| Tabor | town | 369 | $82,813 | $813 | 12 mi |
| Running Water | CDP | 73 | n/a | n/a | 15 mi |
| Bon Homme Colony | CDP | 0 | n/a | n/a | 12 mi |
Debt-to-income at Bon Homme County's medians
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Bon Homme County household at the medians it works out like this; treat it as an illustration only.
- $5,370 a month: gross income for a household at the Bon Homme County median
- Less median rent of $646, which is 12% of it
- $1,287: what a 36% ratio leaves once rent is paid
- With a 43% ceiling, about $1,663 remains for car, card, student and any new loan payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
People and households in Bon Homme County
Degree holders: 20% of adults over 25. About 5% go without health insurance.
| Measure | Bon Homme County | South Dakota statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 42.1 | 38.0 | 41.5 |
| Bachelor's or higher | 19.6% | 31.9% | 22.2% |
| No high school diploma | 9.4% | 6.8% | n/a |
| No health insurance | 5.2% | 9.0% | 7.8% |
| No vehicle | 4.2% | 5.2% | 5.4% |
| Work from home | 7.4% | 9.7% | 8.7% |
| Poverty rate | 10.6% | 11.9% | 13.2% |
| Unemployment (ACS) | 2.2% | 2.9% | 4.4% |
| One-way commute | Share of Bon Homme County workers |
|---|---|
| Under 15 min | 43.9% |
| 15 to 29 min | 26.8% |
| 30 to 44 min | 22.0% |
| 45 to 59 min | 4.6% |
| 60+ min | 2.7% |
Before borrowing in Bon Homme County
Where the Bon Homme County numbers stand out, and why it matters for a loan:
- Consolidating cards in Bon Homme County. Compare the total repaid, not the monthly figure (how).
- Advance-fee offers. No legitimate lender asks a Bon Homme County borrower to pay first (scam signs).
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
Four steps for Bon Homme County borrowers
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Line up offers side by side: APR, fees in dollars, total cost.
- A South Dakota license check takes minutes; do it first.
- Ask a Bon Homme County credit union about member loans.
Lender oversight for Bon Homme County
Before sharing details with a lender, a Bon Homme County resident can confirm its license with the South Dakota Division of Banking. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the South Dakota state guide for the statewide picture.
Nearby and statewide guides
The South Dakota guide covers the whole state.
Frequently asked questions
What does a typical Bon Homme County household make?
About $64,435 a year at the median (ACS 2020-24), 14% below the South Dakota median.
Is Bon Homme County expensive for renters?
Median rent is $646 against $946 statewide, and 38% of renter households are cost-burdened.
I own my home in Bon Homme County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 80% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Bon Homme County guide cover?
Every community in the county, unincorporated areas included. The largest of its 7 Census places: Springfield, Tyndall, Scotland, Avon, Tabor.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Bon Homme County or elsewhere in South Dakota, the same rules apply.