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2026 South Dakota loan limits by county
South Dakota has 66 counties in the 2026 FHFA list. The highest one-unit conforming limit is $832,750 in Ziebach County; the state median is $832,750. 0 of 66 are above the $832,750 national baseline. 65 sit at the 2026 FHA floor of $541,287.
- 66Counties listed
- $832,750Highest 1-unit conformingZiebach County
- $832,750Median 1-unit conforming
- 65At FHA floorof 66
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Aurora County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Beadle County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bennett County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bon Homme County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Brookings County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Brown County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Brule County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Buffalo County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Butte County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Campbell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Charles Mix County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clark County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clay County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Codington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Corson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Custer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Davison County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Day County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Deuel County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dewey County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Douglas County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Edmunds County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fall River County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Faulk County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grant County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Gregory County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Haakon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hamlin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hand County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hanson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Harding County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hughes County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hutchinson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hyde County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jackson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jerauld County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jones County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kingsbury County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lake County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lawrence County | $832,750 | +$26,250 (+3.3%) | $541,650 | $1,601,750 |
| Lincoln County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lyman County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marshall County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McCook County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McPherson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Meade County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mellette County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Miner County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Minnehaha County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Moody County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Oglala Lakota County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pennington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Perkins County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Potter County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Roberts County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sanborn County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Spink County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Stanley County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sully County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Todd County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Tripp County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Turner County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Union County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Walworth County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Yankton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ziebach County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.