South Dakota Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 66 counties in South Dakota. FHA limits in this state range from $541,287 to $541,287, while conforming limits range from $832,750 to $832,750.
2026 Loan Limits by County in South Dakota
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Aurora County | $541,287 | $832,750 | $151,900 |
| 2 | Beadle County | $541,287 | $832,750 | $175,100 |
| 3 | Bennett County | $541,287 | $832,750 | $156,400 |
| 4 | Bon Homme County | $541,287 | $832,750 | $134,100 |
| 5 | Brookings County | $541,287 | $832,750 | $264,600 |
| 6 | Brown County | $541,287 | $832,750 | $221,100 |
| 7 | Brule County | $541,287 | $832,750 | $216,800 |
| 8 | Buffalo County | $541,287 | $832,750 | $117,800 |
| 9 | Butte County | $541,287 | $832,750 | $244,600 |
| 10 | Campbell County | $541,287 | $832,750 | $115,900 |
| 11 | Charles Mix County | $541,287 | $832,750 | $170,600 |
| 12 | Clark County | $541,287 | $832,750 | $158,400 |
| 13 | Clay County | $541,287 | $832,750 | $232,300 |
| 14 | Codington County | $541,287 | $832,750 | $237,700 |
| 15 | Corson County | $541,287 | $832,750 | $69,800 |
| 16 | Custer County | $541,287 | $832,750 | $372,100 |
| 17 | Davison County | $541,287 | $832,750 | $205,800 |
| 18 | Day County | $541,287 | $832,750 | $173,600 |
| 19 | Deuel County | $541,287 | $832,750 | $205,900 |
| 20 | Dewey County | $541,287 | $832,750 | $69,600 |
| 21 | Douglas County | $541,287 | $832,750 | $166,900 |
| 22 | Edmunds County | $541,287 | $832,750 | $163,300 |
| 23 | Fall River County | $541,287 | $832,750 | $193,200 |
| 24 | Faulk County | $541,287 | $832,750 | $147,500 |
| 25 | Grant County | $541,287 | $832,750 | $171,000 |
| 26 | Gregory County | $541,287 | $832,750 | $139,900 |
| 27 | Haakon County | $541,287 | $832,750 | $164,200 |
| 28 | Hamlin County | $541,287 | $832,750 | $208,600 |
| 29 | Hand County | $541,287 | $832,750 | $159,300 |
| 30 | Hanson County | $541,287 | $832,750 | $191,200 |
| 31 | Harding County | $541,287 | $832,750 | $166,100 |
| 32 | Hughes County | $541,287 | $832,750 | $242,000 |
| 33 | Hutchinson County | $541,287 | $832,750 | $163,000 |
| 34 | Hyde County | $541,287 | $832,750 | $181,600 |
| 35 | Jackson County | $541,287 | $832,750 | $117,300 |
| 36 | Jerauld County | $541,287 | $832,750 | $150,800 |
| 37 | Jones County | $541,287 | $832,750 | $139,600 |
| 38 | Kingsbury County | $541,287 | $832,750 | $169,500 |
| 39 | Lake County | $541,287 | $832,750 | $247,600 |
| 40 | Lawrence County | $541,287 | $832,750 | $346,500 |
| 41 | Lincoln County | $541,287 | $832,750 | $348,300 |
| 42 | Lyman County | $541,287 | $832,750 | $165,800 |
| 43 | Marshall County | $541,287 | $832,750 | $156,500 |
| 44 | McCook County | $541,287 | $832,750 | $230,100 |
| 45 | McPherson County | $541,287 | $832,750 | $85,600 |
| 46 | Meade County | $541,287 | $832,750 | $310,900 |
| 47 | Mellette County | $541,287 | $832,750 | $84,100 |
| 48 | Miner County | $541,287 | $832,750 | $142,600 |
| 49 | Minnehaha County | $541,287 | $832,750 | $287,600 |
| 50 | Moody County | $541,287 | $832,750 | $226,500 |
| 51 | Oglala Lakota County | $541,287 | $832,750 | $52,900 |
| 52 | Pennington County | $541,287 | $832,750 | $302,200 |
| 53 | Perkins County | $541,287 | $832,750 | $114,600 |
| 54 | Potter County | $541,287 | $832,750 | $121,300 |
| 55 | Roberts County | $541,287 | $832,750 | $154,500 |
| 56 | Sanborn County | $541,287 | $832,750 | $135,600 |
| 57 | Spink County | $541,287 | $832,750 | $123,300 |
| 58 | Stanley County | $541,287 | $832,750 | $203,500 |
| 59 | Sully County | $541,287 | $832,750 | $205,400 |
| 60 | Todd County | $541,287 | $832,750 | $53,900 |
| 61 | Tripp County | $541,287 | $832,750 | $132,900 |
| 62 | Turner County | $541,287 | $832,750 | $222,900 |
| 63 | Union County | $541,287 | $832,750 | $301,100 |
| 64 | Walworth County | $541,287 | $832,750 | $136,600 |
| 65 | Yankton County | $541,287 | $832,750 | $225,900 |
| 66 | Ziebach County | $541,287 | $832,750 | $99,600 |
About South Dakota's Mortgage Market
South Dakota has 66 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in South Dakota range from $541,287 to $541,287 for a single-family home. Conforming limits range from $832,750 to $832,750.
Use our mortgage calculator to compute monthly payments using South Dakota-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in South Dakota?
The highest 2026 FHA limit in South Dakota is $541,287 for a single-family home.
What is the maximum conforming loan limit in South Dakota?
The highest 2026 conforming loan limit in South Dakota is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in South Dakota?
South Dakota has 66 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.