What are the loan limits in each South Dakota county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Aurora County | $832,750 | $541,287 | $693,050 | $129,000 |
| Beadle County | $832,750 | $541,287 | $693,050 | $178,400 |
| Bennett County | $832,750 | $541,287 | $693,050 | $138,600 |
| Bon Homme County | $832,750 | $541,287 | $693,050 | $120,300 |
| Brookings County | $832,750 | $541,287 | $693,050 | $246,300 |
| Brown County | $832,750 | $541,287 | $693,050 | $212,900 |
| Brule County | $832,750 | $541,287 | $693,050 | $205,500 |
| Buffalo County | $832,750 | $541,287 | $693,050 | $108,000 |
| Butte County | $832,750 | $541,287 | $693,050 | $207,700 |
| Campbell County | $832,750 | $541,287 | $693,050 | $87,900 |
| Charles Mix County | $832,750 | $541,287 | $693,050 | $169,200 |
| Clark County | $832,750 | $541,287 | $693,050 | $141,900 |
| Clay County | $832,750 | $541,287 | $693,050 | $221,800 |
| Codington County | $832,750 | $541,287 | $693,050 | $218,000 |
| Corson County | $832,750 | $541,287 | $693,050 | $73,800 |
| Custer County | $832,750 | $541,287 | $693,050 | $327,200 |
| Davison County | $832,750 | $541,287 | $693,050 | $190,000 |
| Day County | $832,750 | $541,287 | $693,050 | $155,100 |
| Deuel County | $832,750 | $541,287 | $693,050 | $180,100 |
| Dewey County | $832,750 | $541,287 | $693,050 | $75,400 |
| Douglas County | $832,750 | $541,287 | $693,050 | $125,000 |
| Edmunds County | $832,750 | $541,287 | $693,050 | $163,600 |
| Fall River County | $832,750 | $541,287 | $693,050 | $176,300 |
| Faulk County | $832,750 | $541,287 | $693,050 | $124,100 |
| Grant County | $832,750 | $541,287 | $693,050 | $179,400 |
| Gregory County | $832,750 | $541,287 | $693,050 | $129,000 |
| Haakon County | $832,750 | $541,287 | $693,050 | $153,200 |
| Hamlin County | $832,750 | $541,287 | $693,050 | $207,700 |
| Hand County | $832,750 | $541,287 | $693,050 | $152,100 |
| Hanson County | $832,750 | $541,287 | $693,050 | $192,400 |
| Harding County | $832,750 | $541,287 | $693,050 | $156,400 |
| Hughes County | $832,750 | $541,287 | $693,050 | $221,100 |
| Hutchinson County | $832,750 | $541,287 | $693,050 | $160,500 |
| Hyde County | $832,750 | $541,287 | $693,050 | $134,500 |
| Jackson County | $832,750 | $541,287 | $693,050 | $111,500 |
| Jerauld County | $832,750 | $541,287 | $693,050 | $127,000 |
| Jones County | $832,750 | $541,287 | $693,050 | $117,100 |
| Kingsbury County | $832,750 | $541,287 | $693,050 | $159,600 |
| Lake County | $832,750 | $541,287 | $693,050 | $231,000 |
| Lawrence County | $832,750 | $541,650 | $693,400 | $310,800 |
| Lincoln County | $832,750 | $541,287 | $693,050 | $323,500 |
| Lyman County | $832,750 | $541,287 | $693,050 | $156,500 |
| Marshall County | $832,750 | $541,287 | $693,050 | $147,200 |
| McCook County | $832,750 | $541,287 | $693,050 | $217,300 |
| McPherson County | $832,750 | $541,287 | $693,050 | $78,400 |
| Meade County | $832,750 | $541,287 | $693,050 | $274,800 |
| Mellette County | $832,750 | $541,287 | $693,050 | $63,000 |
| Miner County | $832,750 | $541,287 | $693,050 | $114,100 |
| Minnehaha County | $832,750 | $541,287 | $693,050 | $266,600 |
| Moody County | $832,750 | $541,287 | $693,050 | $206,300 |
| Oglala Lakota County | $832,750 | $541,287 | $693,050 | $45,600 |
| Pennington County | $832,750 | $541,287 | $693,050 | $270,400 |
| Perkins County | $832,750 | $541,287 | $693,050 | $105,900 |
| Potter County | $832,750 | $541,287 | $693,050 | $121,300 |
| Roberts County | $832,750 | $541,287 | $693,050 | $139,100 |
| Sanborn County | $832,750 | $541,287 | $693,050 | $138,500 |
| Spink County | $832,750 | $541,287 | $693,050 | $117,400 |
| Stanley County | $832,750 | $541,287 | $693,050 | $169,900 |
| Sully County | $832,750 | $541,287 | $693,050 | $198,700 |
| Todd County | $832,750 | $541,287 | $693,050 | $45,200 |
| Tripp County | $832,750 | $541,287 | $693,050 | $137,100 |
| Turner County | $832,750 | $541,287 | $693,050 | $199,000 |
| Union County | $832,750 | $541,287 | $693,050 | $269,500 |
| Walworth County | $832,750 | $541,287 | $693,050 | $130,000 |
| Yankton County | $832,750 | $541,287 | $693,050 | $208,200 |
| Ziebach County | $832,750 | $541,287 | $693,050 | $101,700 |
Which South Dakota counties are high-cost areas?
No South Dakota county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in South Dakota
Frequently asked questions
FHA one-unit limits in South Dakota start at $541,287. In Minnehaha County, the most populous county, it's $541,287.
The 2026 one-unit conforming limit in Minnehaha County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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