South Dakota · 2026
South Dakota 2026 FHA and conforming loan limits
For a one-unit home in South Dakota, the 2026 conforming limit is $832,750 and the FHA limit is $541,287 to $541,650. FHA limits rose in 65 of 66 counties from 2025.
| County | Conforming 1 unit | Conforming 2 units | FHA 1 unit | FHA 2 units | FHA 3 units | FHA 4 units | FHA vs 2025 |
|---|---|---|---|---|---|---|---|
| Aurora County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Beadle County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Bennett County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Bon Homme County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Brookings County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Brown County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Brule County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Buffalo County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Butte County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Campbell County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Charles Mix County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Clark County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Clay County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Codington County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Corson County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Custer County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Davison County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Day County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Deuel County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Dewey County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Douglas County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Edmunds County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Fall River County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Faulk County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Grant County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Gregory County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Haakon County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Hamlin County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Hand County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Hanson County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Harding County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Hughes County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Hutchinson County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Hyde County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Jackson County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Jerauld County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Jones County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Kingsbury County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Lake County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Lawrence County | $832,750 | $1,066,250 | $541,650 | $693,400 | $838,150 | $1,041,650 | — |
| Lincoln County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Lyman County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| McCook County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| McPherson County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Marshall County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Meade County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Mellette County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Miner County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Minnehaha County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Moody County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Oglala Lakota County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Pennington County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Perkins County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Potter County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Roberts County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Sanborn County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Spink County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Stanley County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Sully County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Todd County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Tripp County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Turner County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Union County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Walworth County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Yankton County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Ziebach County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
Conforming limits: FHFA (2026). FHA forward-mortgage limits: HUD (2026 case numbers). Each county page adds 2025 mortgage activity.
Counts: 66 counties and county-equivalents.