South Dakota loan limits 2026 by county
In 2026, every one of the 66 counties in South Dakota has the $832,750 baseline conforming loan limit for a one-unit home. FHA limits run from $541,287 to $541,650: 1 county is above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every South Dakota county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Aurora County | $832,750 | $541,287 | Non-Metro |
| Beadle County | $832,750 | $541,287 | Huron, SD |
| Bennett County | $832,750 | $541,287 | Non-Metro |
| Bon Homme County | $832,750 | $541,287 | Non-Metro |
| Brookings County | $832,750 | $541,287 | Brookings, SD |
| Brown County | $832,750 | $541,287 | Aberdeen, SD |
| Brule County | $832,750 | $541,287 | Non-Metro |
| Buffalo County | $832,750 | $541,287 | Non-Metro |
| Butte County | $832,750 | $541,287 | Non-Metro |
| Campbell County | $832,750 | $541,287 | Non-Metro |
| Charles Mix County | $832,750 | $541,287 | Non-Metro |
| Clark County | $832,750 | $541,287 | Non-Metro |
| Clay County | $832,750 | $541,287 | Vermillion, SD |
| Codington County | $832,750 | $541,287 | Watertown, SD |
| Corson County | $832,750 | $541,287 | Non-Metro |
| Custer County | $832,750 | $541,287 | Rapid City, SD |
| Davison County | $832,750 | $541,287 | Mitchell, SD |
| Day County | $832,750 | $541,287 | Non-Metro |
| Deuel County | $832,750 | $541,287 | Non-Metro |
| Dewey County | $832,750 | $541,287 | Non-Metro |
| Douglas County | $832,750 | $541,287 | Non-Metro |
| Edmunds County | $832,750 | $541,287 | Aberdeen, SD |
| Fall River County | $832,750 | $541,287 | Non-Metro |
| Faulk County | $832,750 | $541,287 | Non-Metro |
| Grant County | $832,750 | $541,287 | Non-Metro |
| Gregory County | $832,750 | $541,287 | Non-Metro |
| Haakon County | $832,750 | $541,287 | Non-Metro |
| Hamlin County | $832,750 | $541,287 | Non-Metro |
| Hand County | $832,750 | $541,287 | Non-Metro |
| Hanson County | $832,750 | $541,287 | Mitchell, SD |
| Harding County | $832,750 | $541,287 | Non-Metro |
| Hughes County | $832,750 | $541,287 | Pierre, SD |
| Hutchinson County | $832,750 | $541,287 | Non-Metro |
| Hyde County | $832,750 | $541,287 | Non-Metro |
| Jackson County | $832,750 | $541,287 | Non-Metro |
| Jerauld County | $832,750 | $541,287 | Non-Metro |
| Jones County | $832,750 | $541,287 | Non-Metro |
| Kingsbury County | $832,750 | $541,287 | Non-Metro |
| Lake County | $832,750 | $541,287 | Non-Metro |
| Lawrence County | $832,750 | $541,650 | Spearfish, SD |
| Lincoln County | $832,750 | $541,287 | Sioux Falls, SD-MN |
| Lyman County | $832,750 | $541,287 | Non-Metro |
| Marshall County | $832,750 | $541,287 | Non-Metro |
| McCook County | $832,750 | $541,287 | Sioux Falls, SD-MN |
| McPherson County | $832,750 | $541,287 | Non-Metro |
| Meade County | $832,750 | $541,287 | Rapid City, SD |
| Mellette County | $832,750 | $541,287 | Non-Metro |
| Miner County | $832,750 | $541,287 | Non-Metro |
| Minnehaha County | $832,750 | $541,287 | Sioux Falls, SD-MN |
| Moody County | $832,750 | $541,287 | Non-Metro |
| Oglala Lakota County | $832,750 | $541,287 | Non-Metro |
| Pennington County | $832,750 | $541,287 | Rapid City, SD |
| Perkins County | $832,750 | $541,287 | Non-Metro |
| Potter County | $832,750 | $541,287 | Non-Metro |
| Roberts County | $832,750 | $541,287 | Non-Metro |
| Sanborn County | $832,750 | $541,287 | Mitchell, SD |
| Spink County | $832,750 | $541,287 | Non-Metro |
| Stanley County | $832,750 | $541,287 | Pierre, SD |
| Sully County | $832,750 | $541,287 | Non-Metro |
| Todd County | $832,750 | $541,287 | Non-Metro |
| Tripp County | $832,750 | $541,287 | Non-Metro |
| Turner County | $832,750 | $541,287 | Sioux Falls, SD-MN |
| Union County | $832,750 | $541,287 | Sioux City, IA-NE-SD |
| Walworth County | $832,750 | $541,287 | Non-Metro |
| Yankton County | $832,750 | $541,287 | Yankton, SD |
| Ziebach County | $832,750 | $541,287 | Non-Metro |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in South Dakota
Lawrence County ($541,650). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in South Dakota
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- South Dakota fair market rentsHUD Fair Market Rents for every South Dakota county, studios to 4 bedrooms.
- South Dakota property tax ratesEffective property tax rate for every South Dakota county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about South Dakota loan limits
What are the FHA loan limits in South Dakota for 2026?
$541,287 to $541,650 for a one-unit home, depending on the county. 1 county is above the national floor of $541,287, led by Lawrence County ($541,650); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in South Dakota for 2026?
$832,750 for a one-unit home in every South Dakota county, effective January 1, 2026 (FHFA).
What is the VA loan limit in South Dakota?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in South Dakota for 2026: 25 percent of that limit minus the entitlement already used.
Which South Dakota counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Lawrence County at $541,650. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/south-dakota. Not lending advice.