Relocation

Compare Black Hills Communities

25 towns and unincorporated communities. Pick two to four and the full table appears underneath. Commutes are driving times to the Ellsworth main gate and downtown Rapid City. Median sold prices, where we have them, come from the MLS over the trailing twelve months with the source, window and sale count printed under each figure. Typical price bands are practical search ranges, not medians, and are labelled separately.

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Under $400k Close to Ellsworth Close to Rapid City Short commute New construction available Acreage available City water and sewer Smaller market More rural Established housing Newer housing Clear filters Clear everything

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What changes

Between Keystone, Summerset, Black Hawk

The rows below are the ones where these do not read the same. Ordered as the table runs, not by importance.

Region: KeystoneCentral and Southern HillsSummersetRapid City and the Ellsworth corridorBlack HawkRapid City and the Ellsworth corridor
County: KeystonePennington CountySummersetMeade CountyBlack HawkMeade County
Jurisdiction: KeystoneIncorporated town of Keystone, with unincorporated Pennington County on the surrounding hillsides.SummersetCity of Summerset, incorporated July 2005Black HawkUnincorporated Meade County
Corridor: KeystoneUS 16ASummersetI-90Black HawkI-90
To downtown Rapid City: KeystoneAbout 25 minutes northeastSummerset15 min, 10.0 miBlack HawkAbout 12 to 15 minutes
To Ellsworth AFB: KeystoneAbout 40 minutesSummerset30 min, 19.2 miBlack HawkAbout 30 minutes, the same I-90 run as Summerset just north

Side by side

Keystone, Summerset, Black Hawk

Rows marked as differing are the ones where these do not read alike. Rows without the mark sit on a quiet background because they say the same thing in every column.

The selected Black Hills communities compared on location, housing, utilities, schools, daily errands, mapped subdivisions and the trade each one asks for
Attribute	Central and Southern HillsKeystone	Rapid City and the Ellsworth corridorSummerset	Rapid City and the Ellsworth corridorBlack Hawk
Where it sits
Regiondiffers	Central and Southern Hills	Rapid City and the Ellsworth corridor	Rapid City and the Ellsworth corridor
Countydiffers	Pennington County	Meade County	Meade County
JurisdictiondiffersCity versus county decides who provides service and who inspects the work.	Incorporated town of Keystone, with unincorporated Pennington County on the surrounding hillsides.	City of Summerset, incorporated July 2005	Unincorporated Meade County
Corridordiffers	US 16A	I-90	I-90
To downtown Rapid Citydiffers	About 25 minutes northeastDriving time and distance, off peak.	15 min, 10.0 miDriving time and distance, off peak.	About 12 to 15 minutesDriving time and distance, off peak.
To Ellsworth AFBdiffers	About 40 minutesDriving time and distance, off peak.	30 min, 19.2 miDriving time and distance, off peak.	About 30 minutes, the same I-90 run as Summerset just northDriving time and distance, off peak.
Winter drivingdiffers	Black Hills elevation on canyon roads, and a town that empties out for the season. Iron Mountain Road and the scenic routes are not winter commuting roads.	The commute is I-90, so winter driving here is interstate driving rather than a two lane canyon road.	The road out front may be maintained publicly or by the neighborhood, so ask who plows before you buy.
Housing and lots
Typical pricediffers	About $618,000 average sold, but only 9 sales over 24 monthsAverage sold $618,449. Black Hills MLS, single family, 24 months through August 2026, as of August 2026. 9 closed sales, small sample.	Builder inventory sets the level here, and the MLS publishes no Summerset median on its own.	Unincorporated, so closings report under Rapid City and Meade County rather than a Black Hawk median. Lot size and outbuildings move the price more than the street does.
Housing agediffers	An 1883 mining town, so genuinely old stock alongside newer builds and cabins.	Mostly 2000s to present	Mixed street to street, sometimes neighbor to neighbor
New construction	Limited, mostly infill and small projects	Limited, mostly infill and small projects	Limited, mostly infill and small projects
Acreagediffers	Some acreage, mostly platted town lots	Not recorded townwide in this guide. The recorded plat carries the lot size.	Larger lots and acre properties are part of the Black Hawk market, including properties with room for shops and outbuildings.
Typical lotdiffers	Small and steep in town, larger on the surrounding hillsides outside the limits.	Wide lots on new streets	Bigger lots, with shop space and outbuildings normal
Covenants and HOAdiffersCovenants are recorded per plat. The title commitment lists what binds the parcel.	Few plats here carry recorded covenants	Recorded covenants on some plats, none on others	Recorded covenants on some plats, none on othersRecorded covenants vary by subdivision and should be checked for the specific property.
Utilities and rules
Utility patterndiffers	Mixed, municipal service in town with well and septic outside it	Sewer collection is provided by the City of Summerset. Water service varies by address and can include Black Hawk Water User District or Diamond D Water in Sun Valley.	Mixed, municipal service in town with well and septic outside it
Waterdiffers	Town of Keystone municipal water inside the limits, drawn from town wells, with no violations on its current record. Parcels outside the town limits are on private wells.	Black Hawk Water User District, or Diamond D Water in Sun Valley	Black Hawk Water User District
Sewerdiffers	Confirm with the town before you rely on it. The town operates public works, but I have not been able to verify from the public record whether it runs a collection system or which parcels it reaches. Outside the limits, expect private septic.	City of Summerset	Black Hawk Sanitary District serves roughly 200 homes and businesses; properties outside the district are on private septic
Short term rentalsdiffers	A 2 percent municipal lodging tax applies to transient stays. Whether a separate short term rental ordinance exists is not clear from the public record, so confirm with the town in writing.	The thinnest rules on this list, which means a rental plan has to be pinned down for the specific address.	No municipal short term rental ordinance, because there is no municipality. State licensing still applies, and the subdivision covenant usually decides.
Schools
School districtdiffers	Hill City School District 51-2Assignment follows the official boundary for the address. Confirm with the district.	Meade 46-1 and Rapid City Area Schools 51-4, split within the cityAssignment follows the official boundary for the address. Confirm with the district.	Rapid City Area Schools 51-4 for most addressesAssignment follows the official boundary for the address. Confirm with the district.
Daily errands
Groceriesdiffers	Nothing full service in town. Hill City is the closest small grocery and Rapid City is the real shopping, about 25 minutes northeast.	Not recorded in this guide. Check what is open near the address.	No full-service grocery store is in Black Hawk. Most larger grocery trips go into Rapid City.
Healthcarediffers	No clinic in town. Monument Health Custer Hospital has a 24 hour emergency department, and Rapid City has the larger hospital.	Hospital-level care is in Rapid City, about 15 minutes south.	Monument Health Rapid City Hospital
Recreationdiffers	Mount Rushmore is past the town boundary, the 1880 Train runs from the Winter Street depot, and Custer State Park and the Norbeck Scenic Byway are close.	Leisure Lane, Steamboat and Castlewood parks are the everyday recreation. Leisure Lane is the big one, with playgrounds, basketball, picnic shelters, open grass and the community garden.	Piedmont and the Stagebarn area are just north, with the central hills close enough for a half day.
Mapped subdivisions
Outlines on filediffers	No recorded subdivision outlines drawn for this community yet.	2 mapped outlines, 2 with a full guideReference outlines from county and city GIS, not surveys. The recorded plat controls.	12 mapped outlines, 5 with a full guideReference outlines from county and city GIS, not surveys. The recorded plat controls.
The trade
Housing and patterndiffers	An 1883 mining camp turned tourism town at the gateway to Mount Rushmore, 240 residents and millions of visitors.	New streets and builder inventory, with Highlands at Norman Ranch adding over 100 first phase homesites across more than 300 acres.	Unincorporated foothills pockets where lot size, home age and outbuildings change from one parcel to the next.
What you gaindiffers	Nightly rental demand runs about as high as anywhere in the Black Hills, if the rules and the covenants check out for the specific property.	Newer houses on city sewer with Hills views at a price central Rapid City does not offer, and Highlands at Norman Ranch is still selling first phase homesites.	Bigger lots, room for a shop, and about 12 to 15 minutes to downtown Rapid City, without a city hall setting the local rules.
What you give updiffers	A seasonal town with no school, no grocery and no clinic, and a housing stock where half the doors are dark in winter.	You are fifteen minutes out from most of Rapid City's services and you drive I-90 to get to them in the winter. The city is also split between Meade 46-1 and Rapid City Area Schools 51-4, so the district follows the address.	There is no city hall, so the subdivision covenant decides what you can build or rent, and water, sewer and road maintenance all change parcel to parcel.

Central and Southern HillsKeystone
Rapid City and the Ellsworth corridorSummerset
Rapid City and the Ellsworth corridorBlack Hawk

Where it sits

Regiondiffers

Keystone: Central and Southern Hills
Summerset: Rapid City and the Ellsworth corridor
Black Hawk: Rapid City and the Ellsworth corridor

Countydiffers

Keystone: Pennington County
Summerset: Meade County
Black Hawk: Meade County

Jurisdictiondiffers

City versus county decides who provides service and who inspects the work.

Keystone: Incorporated town of Keystone, with unincorporated Pennington County on the surrounding hillsides.
Summerset: City of Summerset, incorporated July 2005
Black Hawk: Unincorporated Meade County

Corridordiffers

Keystone: US 16A
Summerset: I-90
Black Hawk: I-90

To downtown Rapid Citydiffers

Keystone: About 25 minutes northeastDriving time and distance, off peak.
Summerset: 15 min, 10.0 miDriving time and distance, off peak.
Black Hawk: About 12 to 15 minutesDriving time and distance, off peak.

To Ellsworth AFBdiffers

Keystone: About 40 minutesDriving time and distance, off peak.
Summerset: 30 min, 19.2 miDriving time and distance, off peak.
Black Hawk: About 30 minutes, the same I-90 run as Summerset just northDriving time and distance, off peak.

Winter drivingdiffers

Keystone: Black Hills elevation on canyon roads, and a town that empties out for the season. Iron Mountain Road and the scenic routes are not winter commuting roads.
Summerset: The commute is I-90, so winter driving here is interstate driving rather than a two lane canyon road.
Black Hawk: The road out front may be maintained publicly or by the neighborhood, so ask who plows before you buy.

Housing and lots

Typical pricediffers

Keystone: About $618,000 average sold, but only 9 sales over 24 monthsAverage sold $618,449. Black Hills MLS, single family, 24 months through August 2026, as of August 2026. 9 closed sales, small sample.
Summerset: Builder inventory sets the level here, and the MLS publishes no Summerset median on its own.
Black Hawk: Unincorporated, so closings report under Rapid City and Meade County rather than a Black Hawk median. Lot size and outbuildings move the price more than the street does.

Housing agediffers

Keystone: An 1883 mining town, so genuinely old stock alongside newer builds and cabins.
Summerset: Mostly 2000s to present
Black Hawk: Mixed street to street, sometimes neighbor to neighbor

New construction

Keystone: Limited, mostly infill and small projects
Summerset: Limited, mostly infill and small projects
Black Hawk: Limited, mostly infill and small projects

Acreagediffers

Keystone: Some acreage, mostly platted town lots
Summerset: Not recorded townwide in this guide. The recorded plat carries the lot size.
Black Hawk: Larger lots and acre properties are part of the Black Hawk market, including properties with room for shops and outbuildings.

Typical lotdiffers

Keystone: Small and steep in town, larger on the surrounding hillsides outside the limits.
Summerset: Wide lots on new streets
Black Hawk: Bigger lots, with shop space and outbuildings normal

Covenants and HOAdiffers

Covenants are recorded per plat. The title commitment lists what binds the parcel.

Keystone: Few plats here carry recorded covenants
Summerset: Recorded covenants on some plats, none on others
Black Hawk: Recorded covenants on some plats, none on othersRecorded covenants vary by subdivision and should be checked for the specific property.

Utilities and rules

Utility patterndiffers

Keystone: Mixed, municipal service in town with well and septic outside it
Summerset: Sewer collection is provided by the City of Summerset. Water service varies by address and can include Black Hawk Water User District or Diamond D Water in Sun Valley.
Black Hawk: Mixed, municipal service in town with well and septic outside it

Waterdiffers

Keystone: Town of Keystone municipal water inside the limits, drawn from town wells, with no violations on its current record. Parcels outside the town limits are on private wells.
Summerset: Black Hawk Water User District, or Diamond D Water in Sun Valley
Black Hawk: Black Hawk Water User District

Sewerdiffers

Keystone: Confirm with the town before you rely on it. The town operates public works, but I have not been able to verify from the public record whether it runs a collection system or which parcels it reaches. Outside the limits, expect private septic.
Summerset: City of Summerset
Black Hawk: Black Hawk Sanitary District serves roughly 200 homes and businesses; properties outside the district are on private septic

Short term rentalsdiffers

Keystone: A 2 percent municipal lodging tax applies to transient stays. Whether a separate short term rental ordinance exists is not clear from the public record, so confirm with the town in writing.
Summerset: The thinnest rules on this list, which means a rental plan has to be pinned down for the specific address.
Black Hawk: No municipal short term rental ordinance, because there is no municipality. State licensing still applies, and the subdivision covenant usually decides.

Schools

School districtdiffers

Keystone: Hill City School District 51-2Assignment follows the official boundary for the address. Confirm with the district.
Summerset: Meade 46-1 and Rapid City Area Schools 51-4, split within the cityAssignment follows the official boundary for the address. Confirm with the district.
Black Hawk: Rapid City Area Schools 51-4 for most addressesAssignment follows the official boundary for the address. Confirm with the district.

Daily errands

Groceriesdiffers

Keystone: Nothing full service in town. Hill City is the closest small grocery and Rapid City is the real shopping, about 25 minutes northeast.
Summerset: Not recorded in this guide. Check what is open near the address.
Black Hawk: No full-service grocery store is in Black Hawk. Most larger grocery trips go into Rapid City.

Healthcarediffers

Keystone: No clinic in town. Monument Health Custer Hospital has a 24 hour emergency department, and Rapid City has the larger hospital.
Summerset: Hospital-level care is in Rapid City, about 15 minutes south.
Black Hawk: Monument Health Rapid City Hospital

Recreationdiffers

Keystone: Mount Rushmore is past the town boundary, the 1880 Train runs from the Winter Street depot, and Custer State Park and the Norbeck Scenic Byway are close.
Summerset: Leisure Lane, Steamboat and Castlewood parks are the everyday recreation. Leisure Lane is the big one, with playgrounds, basketball, picnic shelters, open grass and the community garden.
Black Hawk: Piedmont and the Stagebarn area are just north, with the central hills close enough for a half day.

Mapped subdivisions

Outlines on filediffers

Keystone: No recorded subdivision outlines drawn for this community yet.
Summerset: 2 mapped outlines, 2 with a full guideReference outlines from county and city GIS, not surveys. The recorded plat controls.
Black Hawk: 12 mapped outlines, 5 with a full guideReference outlines from county and city GIS, not surveys. The recorded plat controls.

The trade

Housing and patterndiffers

Keystone: An 1883 mining camp turned tourism town at the gateway to Mount Rushmore, 240 residents and millions of visitors.
Summerset: New streets and builder inventory, with Highlands at Norman Ranch adding over 100 first phase homesites across more than 300 acres.
Black Hawk: Unincorporated foothills pockets where lot size, home age and outbuildings change from one parcel to the next.

What you gaindiffers

Keystone: Nightly rental demand runs about as high as anywhere in the Black Hills, if the rules and the covenants check out for the specific property.
Summerset: Newer houses on city sewer with Hills views at a price central Rapid City does not offer, and Highlands at Norman Ranch is still selling first phase homesites.
Black Hawk: Bigger lots, room for a shop, and about 12 to 15 minutes to downtown Rapid City, without a city hall setting the local rules.

What you give updiffers

Keystone: A seasonal town with no school, no grocery and no clinic, and a housing stock where half the doors are dark in winter.
Summerset: You are fifteen minutes out from most of Rapid City's services and you drive I-90 to get to them in the winter. The city is also split between Meade 46-1 and Rapid City Area Schools 51-4, so the district follows the address.
Black Hawk: There is no city hall, so the subdivision covenant decides what you can build or rent, and water, sewer and road maintenance all change parcel to parcel.

Where this comes from

Commute figures are driving times off peak, from the community guide each card links to. Median sold prices come from the MLS, and each figure carries its own source, window and closing count, because Sturgis, Spearfish and the northern hills report through a different MLS than Rapid City. Under five closings there is no median, and the price row says so. Five to nine closings carries a small sample note. School districts follow the official boundary for the address, and the district office is the only place to confirm an assignment. Short term rental lines are summaries. Read the guide and the current ordinance before you count on rental income.

The filters use these definitions: under $400k is the MLS sold figure for the town, a median where one is published and otherwise the average sold, comes in under $400,000; close to ellsworth is 25 minutes or less to the Ellsworth main gate; close to rapid city is 20 minutes or less to downtown Rapid City; short commute is 15 minutes or less to either downtown Rapid City or the Ellsworth gate; new construction available is the guide establishes active or limited new construction; acreage available is acreage is common or present in the guide; city water and sewer is city water and sewer across the community; smaller market is fewer than 100 closed single family sales in the trailing twelve months; more rural is acreage is common, or water and sewer are not municipal throughout; established housing is the guide classifies the housing stock as established, meaning largely pre 2000; newer housing is the guide classifies a meaningful share of the housing stock as 2000s or later.

Every row here is a townwide summary and a single parcel can read differently. Buyer due diligence should include verifying water and sewer service, school assignment, recorded covenants and HOA obligations, rental rules, legal access, insurance availability and which jurisdiction inspects and permits the work, for the exact address. Confirm with the city or county, the utility or district, the school district office, the title company and your insurer as applicable.

Last updated August 2026

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