What are the hidden costs of living in Spearfish?

Flood insurance premiums Higher heating bills in winter Maintenance on older homes

Who is Spearfish best for?

Spearfish is best for: Families, Retirees, Remote workers, Nature lovers.

What is the median home price in Spearfish?

The median home price in Spearfish is approximately $288,500.

Is Spearfish walkable?

Spearfish has a Walk Score of 20 out of 100. Most errands require a car.

Spearfish, SD

Updated May 1, 2026 · Would You Live There?

Think twice

Verdict

$289K

Median Price

20/100

Walk Score

4.7/10

Schools

30 min

to Outlying job centers

Score Breakdown

FWalkability

20/100

DSchools

47/100

CAffordability

63/100

B+Quietness

80/100

B+Commute

85/100

ASafety

92/100

WYLT Score65/100

Our Take

Spearfish offers decent schools and a quiet, low‑crime environment, but its high flood risk, low walkability and a median home price that’s steep relative to income make it a cautious choice. If you’re a family who wants a rural feel and can handle extra insurance and limited amenities, it might work, but it’s not a slam‑on‑the‑gas move.

Map

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The Good

✓Good schools for children
✓Affordable homes relative to other parts of the country
✓Low crime rates
✓Rural quiet lifestyle

Real Talk

!High flood risk requiring insurance
!Limited public transport and amenities
!Housing cost high relative to local median income
!Seasonal weather extremes can be harsh
$Flood insurance premiums
$Higher heating bills in winter
$Maintenance on older homes

Best For

FamiliesRetireesRemote workersNature lovers

Risk Snapshot

Flood riskHigh

Violent crimeLow

Property crimeLow

Air qualityGood

Price volatilityModerate

Crime & Safety

Spearfish, SD

Safety grade

Safety score92 / 100

High riskVery safe

⚠️Violent Crime

Low

1.6incidents / 1,000 residents / yr

0Natl avg (3.7)11+

57% safer than the national average

🔒Property Crime

Low

9.8incidents / 1,000 residents / yr

0Natl avg (19.5)59+

50% safer than the national average

Verify with real-time data

AreaVibes crime →City-Data stats →NeighborhoodScout →

Rates are estimated from neighborhood characteristics using national FBI baselines. Actual figures vary by block — always verify with local sources before making decisions.

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From Residents

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