Buffalo County, SD: mortgages, home buyers & loan limits
What buyers in Buffalo County actually borrowed, earned and paid in 2025, from the official Home Mortgage Disclosure Act records — plus the 2026 conforming and FHA loan limits.
HMDA 2025 data released June 23, 2026 · Loan limits for calendar year 2026
HMDA records show no originated home-purchase mortgages for owner-occupied single-family homes in Buffalo County, SD in 2025.
2026 loan limits in Buffalo County
| Property | Conforming 2026 | vs 2025 | FHA 2026 | vs 2025 |
|---|---|---|---|---|
| 1 unit | $832,750 | +$26,250 | $541,287 | +$17,062 |
| 2 units | $1,066,250 | +$33,600 | $693,050 | +$21,850 |
| 3 units | $1,288,800 | +$40,650 | $837,700 | +$26,425 |
| 4 units | $1,601,750 | +$50,500 | $1,041,125 | +$32,825 |
2026 limits for Buffalo County, SD: conforming (Fannie Mae / Freddie Mac) from FHFA; FHA forward-mortgage limits from HUD. FHA limit is at the national floor for low-cost areas. Loans above the conforming limit are "jumbo" loans.
All South Dakota counties: South Dakota 2026 loan limits. FHFA and HUD normally announce the next year's limits in late November.
No completed home-purchase applications were reported for Buffalo County in 2025.
Check a quote for Buffalo County
Is my Loan Estimate high?
Compare your origination charges and total loan costs with 2025 loans of the same type and size in South Dakota.
Monthly payment calculator
Principal, interest, property tax (0.40% typical effective rate here) and insurance, with Buffalo County defaults.
Typical effective property-tax rate 0.40% = median real estate taxes ÷ median home value, U.S. Census Bureau ACS 2020–2024 5-year estimates.
Nearby counties
| County | Distance | Purchase loans | Median loan | Buyer income | Conforming limit | FHA limit |
|---|---|---|---|---|---|---|
| Brule County, SD | 22 mi | 21 | — | — | $832,750 | $541,287 |
| Jerauld County, SD | 29 mi | 9 | — | — | $832,750 | $541,287 |
| Lyman County, SD | 33 mi | 9 | — | — | $832,750 | $541,287 |
| Hand County, SD | 36 mi | 14 | — | — | $832,750 | $541,287 |
| Hyde County, SD | 37 mi | 9 | — | — | $832,750 | $541,287 |
| Aurora County, SD | 38 mi | 13 | — | — | $832,750 | $541,287 |
Frequently asked questions
What is the 2026 conforming loan limit in Buffalo County?
$832,750 for a one-unit home (FHFA). Two- to four-unit limits are $1,066,250, $1,288,800, $1,601,750. Loans above the limit are jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac.
What is the 2026 FHA loan limit in Buffalo County?
$541,287 for a one-unit home (HUD). This is the national floor for low-cost areas.
Sources: FFIEC/CFPB HMDA 2025 public loan/application register (Snapshot as of June 1, 2026); FHFA 2026 conforming loan limits; HUD 2026 FHA forward-mortgage limits; U.S. Census Bureau. Figures describe typical 2025 loans, not your offer. Methodology