1011 Mac Lane, Spearfish
1011 Mac Lane · Spearfish, SD
About this home
Ranch home on a half acre in Spearfish — 4 bed / 3 bath, 2,480 sq ft, built 2019 by High Plains Construction; attached garage, air conditioning, gas fireplace (stated in the source post).
Near Ellsworth AFB
BAH rates from the official 2026 tables (U.S. Department of Defense, DTMO), retrieved November 4, 2026 and checked before they were published here.
How we estimate payments
Every estimate on this door assumes 10% down and a 30-year fixed-rate loan at 7.24% — the national average rate for a 30-year fixed loan as of October 29, 2026. An estimate covers principal and interest only. Taxes, insurance, and HOA dues are not in it — they vary by home and county, and your lender will figure them into the real payment. Buying with a VA loan? Your down payment may be $0, so your payment will differ from the estimate. Use these figures to compare homes against your BAH — never as a quote, and never as a promise of what a lender will offer.