📊 September 2026: 349 homes closed · $339,000 median — RASE MLSSee What Sold Near You →
🏠 See My Home Value📊 What Sold Near Me
🏠30-Yr Conv7.23%▲0.07
⚡15-Yr Conv6.76%▼0.11
💎Jumbo7.57%▼0.08
🎖️VA7.16%▼0.06
🏛️FHA7.19%▼0.04
🦅SD Housing5.25%—
🌾USDA RD7.04%▼0.06
🏦PHM 30 Yr. FHA7.05%▼0.08
🏦PHM 7/6 SOFR ARM6.82%▼0.03
🏦PHM 30 Yr. Fixed7.40%▼0.05
🏦PHM 30 Yr. VA7.06%▼0.09
🏦PHM 15 Yr. Fixed7.04%▼0.10
🏠30-Yr Conv7.23%▲0.07
⚡15-Yr Conv6.76%▼0.11
💎Jumbo7.57%▼0.08
🎖️VA7.16%▼0.06
🏛️FHA7.19%▼0.04
🦅SD Housing5.25%—
🌾USDA RD7.04%▼0.06
🏦PHM 30 Yr. FHA7.05%▼0.08
🏦PHM 7/6 SOFR ARM6.82%▼0.03
🏦PHM 30 Yr. Fixed7.40%▼0.05
🏦PHM 30 Yr. VA7.06%▼0.09
🏦PHM 15 Yr. Fixed7.04%▼0.10
🏠30-Yr Conv7.23%▲0.07
⚡15-Yr Conv6.76%▼0.11
💎Jumbo7.57%▼0.08
🎖️VA7.16%▼0.06
🏛️FHA7.19%▼0.04
🦅SD Housing5.25%—
🌾USDA RD7.04%▼0.06
🏦PHM 30 Yr. FHA7.05%▼0.08
🏦PHM 7/6 SOFR ARM6.82%▼0.03
🏦PHM 30 Yr. Fixed7.40%▼0.05
🏦PHM 30 Yr. VA7.06%▼0.09
🏦PHM 15 Yr. Fixed7.04%▼0.10
🏠30-Yr Conv7.23%▲0.07
⚡15-Yr Conv6.76%▼0.11
💎Jumbo7.57%▼0.08
🎖️VA7.16%▼0.06
🏛️FHA7.19%▼0.04
🦅SD Housing5.25%—
🌾USDA RD7.04%▼0.06
🏦PHM 30 Yr. FHA7.05%▼0.08
🏦PHM 7/6 SOFR ARM6.82%▼0.03
🏦PHM 30 Yr. Fixed7.40%▼0.05
🏦PHM 30 Yr. VA7.06%▼0.09
🏦PHM 15 Yr. Fixed7.04%▼0.10
PHM rates shown are from Prosperity Home Mortgage, an affiliated business of Hegg REALTORS® under common ownership by HomeServices of America. Bryan Anfinson may benefit from this referral. You are not required to use PHM — rates and terms vary by lender.
● LIVEMedian Monthly Housing Payment Hits Near-Record High— Redfin
● LIVENAR Economist Suggests Mortgage Rates May Be Topping Out— NAR
● LIVEInvestors Anticipate Fed to Hold Rates Steady— Real Estate News
● LIVEHousingWire Intelligence Shows Continued Decline in New Pending Sales— HousingWire
● LIVENAR Reports September Pending Home Sales Fell 7.3%— NAR
● LIVEMortgage Rates Decline to 7.32% in Latest Freddie Mac Survey— Freddie Mac
● LIVERedfin Reports U.S. Pending Home Sales Sink to Record Low— Redfin
● LIVEHomeowner Vacancy Rates Inch Higher Amid Market Headwinds— Realtor.com
● LIVEMedian Monthly Housing Payment Hits Near-Record High— Redfin
● LIVENAR Economist Suggests Mortgage Rates May Be Topping Out— NAR
● LIVEInvestors Anticipate Fed to Hold Rates Steady— Real Estate News
● LIVEHousingWire Intelligence Shows Continued Decline in New Pending Sales— HousingWire
● LIVENAR Reports September Pending Home Sales Fell 7.3%— NAR
● LIVEMortgage Rates Decline to 7.32% in Latest Freddie Mac Survey— Freddie Mac
● LIVERedfin Reports U.S. Pending Home Sales Sink to Record Low— Redfin
● LIVEHomeowner Vacancy Rates Inch Higher Amid Market Headwinds— Realtor.com
● LIVEMedian Monthly Housing Payment Hits Near-Record High— Redfin
● LIVENAR Economist Suggests Mortgage Rates May Be Topping Out— NAR
● LIVEInvestors Anticipate Fed to Hold Rates Steady— Real Estate News
● LIVEHousingWire Intelligence Shows Continued Decline in New Pending Sales— HousingWire
● LIVENAR Reports September Pending Home Sales Fell 7.3%— NAR
● LIVEMortgage Rates Decline to 7.32% in Latest Freddie Mac Survey— Freddie Mac
● LIVERedfin Reports U.S. Pending Home Sales Sink to Record Low— Redfin
● LIVEHomeowner Vacancy Rates Inch Higher Amid Market Headwinds— Realtor.com
● LIVEMedian Monthly Housing Payment Hits Near-Record High— Redfin
● LIVENAR Economist Suggests Mortgage Rates May Be Topping Out— NAR
● LIVEInvestors Anticipate Fed to Hold Rates Steady— Real Estate News
● LIVEHousingWire Intelligence Shows Continued Decline in New Pending Sales— HousingWire
● LIVENAR Reports September Pending Home Sales Fell 7.3%— NAR
● LIVEMortgage Rates Decline to 7.32% in Latest Freddie Mac Survey— Freddie Mac
● LIVERedfin Reports U.S. Pending Home Sales Sink to Record Low— Redfin
● LIVEHomeowner Vacancy Rates Inch Higher Amid Market Headwinds— Realtor.com
Live

Sioux Falls Market & Rate Intelligence

Updated October 28, 2026 · Bryan Anfinson · Hegg REALTORS®

← Pulse Map
30-Year Conventional
6.07%
vs yesterday▼ 0.09
vs last week▼ 0.30
30-day trend · Freddie Mac (weekly) + Zillow (daily)
Fed Funds Rate
3.50%–3.75%
Eff: 3.64% · Hold
Next FOMC Meeting
June 16–17, 2026
Expected: Hold
Last Meeting · March 17–18, 2026
The Fed held rates at 3.50%–3.75% in March 2026, citing persistent inflation and geopolitical concerns. Mortgage rates are expected to remain stable near-term.
Loan Amount$300K
🏠30-Yr Conv
Zillow / Freddie Mac · Daily / Weekly
6.07%
▼ 0.09$1,812/mo
⚡15-Yr Conv
Zillow / Freddie Mac · Daily / Weekly
5.57%
▼ 0.08$2,462/mo
💎Jumbo
Optimal Blue OBMMI · Daily
6.42%
▼ 0.06$1,880/mo
🎖️VA
Zillow / OBMMI · Daily
5.63%
▲ 0.07$1,728/mo
🏛️FHA
Optimal Blue OBMMI · Daily
5.85%
▼ 0.06$1,770/mo
🦅SD HousingProgram
sdhousing.org · Set by SDHDA
5.25%
—$1,657/mo
🌾USDA RDProgram
OBMMI / USDA.gov · Daily (Gtd) / Quarterly (Direct)
5.69%
▼ 0.03$1,739/mo
Monthly P&I — $300K Loan
30-Yr Conv
$1,812
15-Yr Conv
$2,462
Jumbo
$1,880
VA
$1,728
FHA
$1,770
SD Housing
$1,657
USDA RD
$1,739
P&I only — excludes taxes, insurance, PMI/MIP
⚠ Data Freshness
National averages, not lender quotes. Freddie Mac: weekly (Thu). OBMMI & Zillow: daily. SD Housing: eff. 3/27/2026. USDA Direct: eff. 4/1/2026. Your rate depends on credit, LTV, loan type & lender.
💬 Talk to Bryan Anfinson · Hegg REALTORS® about your mortgage options →

National: Freddie Mac · OBMMI · Zillow · SD Housing · USDA · NAR · NAHB · HousingWire · CNBC · Am. Banker · Inman · Federal Reserve
Local: SF City Council · SF Planning Commission · SD Legislature · SDHDA · SiouxFalls.Business · SD Searchlight · SD REALTORS® · HBASE · SD MHA