Personal loans for Campbell County, SD residents

Campbell County by the numbers

Roughly 1,593 residents live in Campbell County, South Dakota, 62nd by population among the state's 66 counties and county equivalents. Land area is 734 square miles (2024 Gazetteer), so density runs near 2 per square mile. No metropolitan area includes Campbell County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 4 places in the county (4 incorporated, 0 census-designated); the largest is Herreid, with about 560 residents, or 35% of the county. Because Campbell County is small, the survey's margins of error are wide; treat the numbers as approximate.

Renting and owning in Campbell County

Renters in Campbell County pay a median of $760 a month, 20% below the South Dakota figure of $946. Rent takes 30% or more of income for 43% of renter households here. Home values center on $115,900, or 1.7 years of median income. The ownership rate is 76%. Median construction year: 1960.

In an owner-heavy county like Campbell 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.

Income in Campbell County compared with South Dakota

The median household income in Campbell County is $68,929; statewide it is $75,081, so Campbell County runs 8% below South Dakota as a whole. That places it 40th among South Dakota's 66 county-level areas.

The spread is wide: 37% of Campbell County households make $100,000 or more, and 21% make less than $35,000. 7.7% of residents fall below the federal poverty line (statewide: 11.9%). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Campbell County median.

Jobs and commutes in Campbell County

By the Census industry count, 23% of employed Campbell County residents work in agriculture, forestry and mining and 14% in education and health care. The sharpest difference from the state is in agriculture, forestry and mining, at 23% locally and 6% for South Dakota. ACS puts five-year average unemployment at 3.1% in Campbell County. Long commutes are the exception here: 5% of workers spend 45 minutes or longer getting to work. Households without a car make up 2.9% of the total (5.2% statewide).

If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.

Campbell County next to its neighbors

Nearest neighbors first, measured between county centers (25 to 51 miles). 2 of the six report a higher median household income than Campbell County; Edmunds County is highest at $81,630 and McIntosh County lowest at $64,419. Some neighbors are in North Dakota. Lender licensing is state by state, so a loan for a Campbell County resident follows South Dakota rules.

Places inside Campbell County

4 Census places fall mainly inside Campbell County; the 4 biggest are below. They account for 923 residents, leaving about 42% of the county in unincorporated, unnamed areas. None of the 4 has its own city guide, so this page covers all of them.

What a median Campbell County budget can carry

Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Campbell County household at the medians it works out like this; treat it as an illustration only.

• $68,929 a year is $5,744 of gross monthly income
• Rent at the median, $760, takes 13% of that
• Under a 36% cap, $2,068 total minus rent leaves $1,308

Two-income households and single earners in Campbell County land in very different places on this math, so run it for your own budget.

What the numbers mean for Campbell County borrowers

Based on the Campbell County data above, these borrowing questions are most likely to matter locally.

• Manufactured homes. 14% of Campbell County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
• Retirees. At a median age of 50.9, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
• Paperwork. ID, proof of income and a bank account are the basics (requirements).

Who lives in Campbell County, in numbers

College graduates make up 36% of the adult population. About 5% go without health insurance.

Checklist for Campbell County applicants

Quick steps for Campbell County:

• Write down what the expense costs; a smaller loan costs less.
• Shop at least three lenders, including one Campbell County-area credit union.
• Look the lender up with the state regulator first.
• Never pay a fee up front to get a loan.

Licensing and complaints for Campbell County

Campbell County borrowers fall under statewide rules, enforced by the South Dakota Division of Banking. Problems with a lender can also go to the CFPB. The South Dakota guide covers state rules in more detail.

More guides for Campbell County

For statewide rules and data, see the South Dakota guide.

• South Dakota state guide