How To Buy a Mobile Home in South Dakota (Live in a Beautiful State)

Looking for a unique way to experience the beauty of South Dakota? Buy a mobile home in South Dakota and enjoy the freedom of homeownership on the go. With affordable options available, you can customize your home to your liking and explore the state at your own pace. So why not explore your housing options today and find your dream home in South Dakota?

Key Takeaways

  • South Dakota offers diverse mobile home options, providing affordability and flexibility in housing choices.
  • It’s essential to research and understand the costs, financing, and sales process involved when buying a mobile home in South Dakota.
  • Utilizing online resources for listings, such as Zillow and Realtor, can help you efficiently find your ideal new mobile home.

Cities to Consider When Buying Mobile Homes

Buying in Sioux Falls

Sioux Falls is a popular location for buying a mobile home in South Dakota. The city offers a variety of mobile home communities and dealers, such as Centennial Homes, providing a range of options for potential buyers. Sioux Falls has a strong economy, with job opportunities in industries like healthcare, finance, and retail, making it an ideal place to settle down and invest in a mobile home.

Detached Homes in Aberdeen

Aberdeen is another city in South Dakota where you can find mobile homes. Detached homes, also known as modular homes, are gaining popularity in Aberdeen due to their affordability and flexibility. The average sales price of a modular home in South Dakota is approximately $50 to $70 per square foot, significantly lower than the average sales price of a traditional home in the state. This makes Aberdeen an attractive option for those seeking cost-effective housing solutions.

Mobile Homes in Rapid City

Rapid City is a suitable location for buying a mobile home in South Dakota. With a variety of mobile home parks and communities available, Rapid City provides a diverse selection of homes to choose from. The city offers a mix of urban and natural attractions, such as Mount Rushmore, making it an exciting place for outdoor enthusiasts to call home.

When considering a mobile home purchase in South Dakota, cities like Sioux Falls, Aberdeen, and Rapid City offer a range of options to meet your budget and lifestyle needs.

Exploring Listings and Sites

When searching for mobile homes for sale in South Dakota, you’ll come across various listings and websites that can assist you in finding your dream home. By exploring these resources, you can confidently navigate the market and make informed decisions about your purchase.

One platform to start your search is, where you can find a range of mobile homes for sale in South Dakota. This site provides key details about the homes, such as the number of bedrooms, bathrooms, and the overall size of the property. You can also benefit from email alerts for new listings to stay up-to-date with the latest properties coming onto the market.

Another excellent resource to explore is, which focuses on mobile and manufactured homes for sale in South Dakota. This site allows you to refine your search according to your needs and preferences, such as the number of bedrooms, bathrooms, and the price range. By doing so, you can easily browse through listings and connect with real estate agents to schedule property viewings.

If you prefer a more general approach, Zillow is a popular platform to consider. This site offers listings for a variety of mobile and manufactured homes in South Dakota, along with added features like price history and local market trends. This information can help you make better decisions when it comes to finding and purchasing your new home.

Finally, don’t forget to check out as another valuable platform for mobile homes for sale in South Dakota. The site offers property listings along with detailed descriptions and photographs to give you a clearer picture of what each mobile home has to offer. Additionally, you can use the interactive map to see the exact location and nearby amenities of each property.

As you explore these websites and listings, remember to be diligent in your search and compare various properties to find the perfect mobile home for your needs in South Dakota.

Understanding Costs and Financing In South Dakota

Zoning Fees and Taxes

When buying a mobile home in South Dakota, it is essential to consider zoning fees and taxes associated with your purchase. In South Dakota, a mobile or manufactured home, built to HUD standards, is subject to an initial registration fee of 4% based on the purchase price, including installation, as established by a bill of sale1. If a bill of sale is not available, the retail book value will be used to establish the purchase price2. Local zoning fees may also apply, so it’s important to check with your local authorities to determine any additional costs associated with purchasing and installing a mobile home in your desired area.

Securing Financing for Mobile Homes

There are various financing options available for purchasing a mobile home in South Dakota. You can apply for a manufactured home loan that offers financing for both the mobile home and the land it will be placed on. If you only need financing for the mobile home, without the land, there are options available for dealer installation packages as well3.

One option for mobile home financing in South Dakota is through Chattel Mortgage, which provides financing for used mobile homes with as little as 5% down and terms from 7 to 25 years4. There’s a minimum loan amount of $20,000, but no maximum loan limit5. Additionally, down payment gifts are acceptable, but a minimum 10% down payment is required6.

In summary, when buying a mobile home in South Dakota, you need to be aware of zoning fees and taxes as well as various financing options available to make the process smooth and stress-free. Don’t forget to consult with local authorities and financing professionals to ensure you’re making the best decision for your needs.



When you’re looking to buy a mobile home in South Dakota, it’s important to familiarize yourself with the sales process to ensure a smooth transaction. First, determine whether you want to purchase from a private seller or an authorized dealer.

If you choose to buy from a dealer, South Dakota law requires that the dealer deliver certain documents like the manufacturer’s statement of origin, the manufacturer’s certificate of origin, or the mobile home title to the county treasurer, along with the necessary fees and forms within 45 days of the sale (source).

On the other hand, if you decide to purchase from a private seller or through a Real Estate Owned (REO) property, ensure that you obtain a clear title or Titles, a bill of sale, and any other required documents at closing (source). The bill of sale can either be provided by the seller or created by yourself, as long as it contains the necessary information and is signed and dated by both parties.

When buying a mobile home, you will also need to pay the initial registration fee, which is 4% of the purchase price, including installationsource. This fee is based on the bill of sale or, in case it’s not available, the retail book value (source). Make sure to connect your newly-acquired mobile home to utilities for year-round occupancy.

As a buyer, it’s crucial to do your due diligence by inspecting the mobile home and its surroundings thoroughly. Engage a professional inspector if necessary, as they can provide you with a comprehensive assessment of the property’s condition.

Remember, purchasing a mobile home in South Dakota involves several steps, and being well-informed about the process will help you navigate it confidently with ease.


In summary, buying a mobile home in South Dakota can be an affordable and comfortable living option. By researching your options and weighing the pros and cons, you can make an informed decision and find the perfect mobile home for you and your family in the beautiful Mount Rushmore State.

Frequently Asked Questions

Q: What are the Best Areas to Find Mobile Homes in South Dakota?

South Dakota offers a variety of areas to find mobile homes, depending on your needs and preferences. Sioux Falls, Rapid City, and Aberdeen are some of the largest cities with mobile home communities. Smaller towns, such as Brookings and Watertown, also have mobile home parks and dealers. Be sure to research the specific area you are interested in to find the best options for your needs.

Q: What is the Average Cost of Mobile Homes in Sioux Falls and Rapid City?

The average cost of mobile homes in Sioux Falls and Rapid City can vary depending on factors such as size, age, and features. In general, you may expect to find mobile homes ranging from $50,000 to $150,000 or more, depending on the specific home and location.

Q: Are There Financing Options Available for Mobile Homes?

Yes, financing options are available for mobile homes in South Dakota. Many financial institutions offer mobile home loans, and some mobile home dealers also provide financing options. It is important to research different financing options and choose the one that best suits your needs and financial situation.

Q: What are the Zoning Regulations for Placing a Mobile Home in South Dakota?

In South Dakota, zoning regulations for placing a mobile home vary by city and county. You should contact your local zoning department or city/county officials to determine the specific zoning requirements and regulations for placing a mobile home in your desired area.

Q: Are Foreclosed Mobile Homes More Affordable in South Dakota?

Foreclosed mobile homes can be more affordable compared to traditional mobile home sales, as they are often sold at lower prices to recuperate the lender’s losses. However, it is essential to carefully research and inspect any foreclosed mobile homes before purchase, as they may have maintenance or legal issues. Always consult with a knowledgeable professional when considering purchasing a foreclosed property.

Q: How Do I Find Reputable Mobile Home Dealers and Manufacturers in South Dakota?

To find reputable mobile home dealers and manufacturers in South Dakota, it is recommended to conduct thorough research, read reviews, and ask for referrals from friends or family members who have experience with local dealers. Additionally, you may want to visit mobile home dealers’ websites and explore their inventory, pricing, and services offered.

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