South Dakota Loan Limits by County, 2026
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 66 South Dakota counties. 1 county is high-cost areas with FHA limits above the national floor.
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Aurora County | $541,287 | $832,750 | Floor |
| Beadle County | $541,287 | $832,750 | Floor |
| Bennett County | $541,287 | $832,750 | Floor |
| Bon Homme County | $541,287 | $832,750 | Floor |
| Brookings County | $541,287 | $832,750 | Floor |
| Brown County | $541,287 | $832,750 | Floor |
| Brule County | $541,287 | $832,750 | Floor |
| Buffalo County | $541,287 | $832,750 | Floor |
| Butte County | $541,287 | $832,750 | Floor |
| Campbell County | $541,287 | $832,750 | Floor |
| Charles Mix County | $541,287 | $832,750 | Floor |
| Clark County | $541,287 | $832,750 | Floor |
| Clay County | $541,287 | $832,750 | Floor |
| Codington County | $541,287 | $832,750 | Floor |
| Corson County | $541,287 | $832,750 | Floor |
| Custer County | $541,287 | $832,750 | Floor |
| Davison County | $541,287 | $832,750 | Floor |
| Day County | $541,287 | $832,750 | Floor |
| Deuel County | $541,287 | $832,750 | Floor |
| Dewey County | $541,287 | $832,750 | Floor |
| Douglas County | $541,287 | $832,750 | Floor |
| Edmunds County | $541,287 | $832,750 | Floor |
| Fall River County | $541,287 | $832,750 | Floor |
| Faulk County | $541,287 | $832,750 | Floor |
| Grant County | $541,287 | $832,750 | Floor |
| Gregory County | $541,287 | $832,750 | Floor |
| Haakon County | $541,287 | $832,750 | Floor |
| Hamlin County | $541,287 | $832,750 | Floor |
| Hand County | $541,287 | $832,750 | Floor |
| Hanson County | $541,287 | $832,750 | Floor |
| Harding County | $541,287 | $832,750 | Floor |
| Hughes County | $541,287 | $832,750 | Floor |
| Hutchinson County | $541,287 | $832,750 | Floor |
| Hyde County | $541,287 | $832,750 | Floor |
| Jackson County | $541,287 | $832,750 | Floor |
| Jerauld County | $541,287 | $832,750 | Floor |
| Jones County | $541,287 | $832,750 | Floor |
| Kingsbury County | $541,287 | $832,750 | Floor |
| Lake County | $541,287 | $832,750 | Floor |
| Lawrence County | $541,650 | $832,750 | High-cost |
| Lincoln County | $541,287 | $832,750 | Floor |
| Lyman County | $541,287 | $832,750 | Floor |
| Marshall County | $541,287 | $832,750 | Floor |
| McCook County | $541,287 | $832,750 | Floor |
| McPherson County | $541,287 | $832,750 | Floor |
| Meade County | $541,287 | $832,750 | Floor |
| Mellette County | $541,287 | $832,750 | Floor |
| Miner County | $541,287 | $832,750 | Floor |
| Minnehaha County | $541,287 | $832,750 | Floor |
| Moody County | $541,287 | $832,750 | Floor |
| Oglala Lakota County | $541,287 | $832,750 | Floor |
| Pennington County | $541,287 | $832,750 | Floor |
| Perkins County | $541,287 | $832,750 | Floor |
| Potter County | $541,287 | $832,750 | Floor |
| Roberts County | $541,287 | $832,750 | Floor |
| Sanborn County | $541,287 | $832,750 | Floor |
| Spink County | $541,287 | $832,750 | Floor |
| Stanley County | $541,287 | $832,750 | Floor |
| Sully County | $541,287 | $832,750 | Floor |
| Todd County | $541,287 | $832,750 | Floor |
| Tripp County | $541,287 | $832,750 | Floor |
| Turner County | $541,287 | $832,750 | Floor |
| Union County | $541,287 | $832,750 | Floor |
| Walworth County | $541,287 | $832,750 | Floor |
| Yankton County | $541,287 | $832,750 | Floor |
| Ziebach County | $541,287 | $832,750 | Floor |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.