HomeSouth DakotaPennington CountyKeystone
Keystone, South Dakota: commercial real estate data.
Keystone is a Census town of 336 people across 3.00 square miles of land, in Pennington County. Median household income is $64,702, 70.1 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $1.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Keystone
What Keystone is
- Census place typetown
- Land area3 sq mi
- Water area0 sq mi
- Population per square mile of land112 plus or minus 55
- County holding the largest share of its areaPennington County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Keystone
How many people live in Keystone
- Population336 plus or minus 165
- Median age38.1
- Population under 1898 plus or minus 53
- Share under 1829.2 percent plus or minus 6.9
- Population 65 and over45 plus or minus 21
- Share 65 and over13.4 percent plus or minus 9.0
- Households107 plus or minus 38
- Family households80 plus or minus 36
- Share of households that are families74.8 percent plus or minus 20.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Keystone
Income and work in Keystone
- Median household income$64,702
- Per capita income$32,157 plus or minus $12,895
- Civilian labor force193 plus or minus 107
- Employed178 plus or minus 87
- Unemployed15 plus or minus 26
- Unemployment rate7.8 percent plus or minus 12.8
- Adults 25 and over215 plus or minus 88
- Adults 25 and over with a high school diploma or higher84.7 percent plus or minus 48.0
- Adults 25 and over with a bachelor degree or higher13.5 percent plus or minus 4.0
- Adults 25 and over with a graduate degree5.1 percent plus or minus 4.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Keystone
Housing in Keystone
- Housing units232 plus or minus 76
- Occupied units107 plus or minus 38
- Vacant units125 plus or minus 68
- Vacancy rate53.9 percent plus or minus 23.4
- Owner occupied75 plus or minus 35
- Renter occupied32 plus or minus 15
- Ownership rate70.1 percent plus or minus 21.2
- Median owner-occupied home value$263,900 plus or minus $231,833
- Median gross rent, monthly$546 plus or minus $392
- Annual rent as a share of median income10.1 percent plus or minus 7.5
- Single family units125 plus or minus 65
- Share single family53.9 percent plus or minus 21.6
- Units in buildings of two or more21 plus or minus 17
- Share in buildings of two or more9.1 percent plus or minus 6.6
- Mobile homes86 plus or minus 41
- Median year structure built1977
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Keystone
How Keystone gets to work
- Workers 16 and over who commute171 plus or minus 87
- Commuting under 15 minutes63 plus or minus 30
- Share commuting under 15 minutes36.8 percent plus or minus 25.6
- Commuting 30 minutes or more99 plus or minus 59
- Share commuting 30 minutes or more57.9 percent plus or minus 18.5
- Drove alone66.3 percent plus or minus 18.0
- Carpooled6.2 percent plus or minus 4.7
- Public transport0.0 percent
- Walked19.7 percent plus or minus 11.0
- Worked from home3.9 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Keystone
SBA loans in Keystone (7(a))
- Approvals3
- Gross approval$1,827,500
- Average approval$609,167
- Median approval$697,500
- Largest approval$761,000
- Jobs supported21
- Jobs per approval7.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term240 months
- Share on real estate terms of 20 years or more66.7 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
Counted by borrower city: approvals to borrowers whose address is in Keystone, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Keystone
SBA loans in Keystone (504)
- Approvals4
- Gross approval$2,018,000
- Average approval$504,500
- Median approval$438,500
- Largest approval$962,000
- Jobs supported17
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Keystone, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Keystone
Flood risk in Keystone
- NFIP communityTown of Keystone
- NFIP community number460231
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date06/03/13
The Town of Keystone participates in the National Flood Insurance Program as community 460231 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Pennington County, not Keystone
Pennington County context, not Keystone figures
- Establishments in Pennington County4,137
- Covered employment, Pennington County62,114
- Average annual pay, Pennington County$57,286
- Housing units permitted, Pennington County1,183
Every figure in this section is published for Pennington County as a whole and is not a measurement of Keystone.
All Pennington County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Keystone questions, answered from the record.
How many people live in Keystone, South Dakota?
336, in 107 households. Keystone town covers 3.00 square miles of land, which is 112 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Keystone in?
Pennington County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Keystone?
$64,702. The median owner-occupied home is valued at $263,900. Median gross rent is $546 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Keystone businesses?
3 7(a) approvals totaling $1.8 m since FY2020, across 2 lenders, median approval $697,500, plus 4 504 approvals worth $2.0 m since FY2010. These count approvals to borrowers whose address is in Keystone, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Keystone borrowers get paid back?
No rate is published for Keystone. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Keystone in the National Flood Insurance Program?
Yes. Keystone appears in the FEMA Community Status Book as Keystone, town of, community 460231, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Keystone figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Pennington County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Keystone.
Is zoning published for Keystone?
No. Nothing on this page presents parcel level zoning.