State · 2026 limits
South Dakota conforming loan limits 2026
$832,750
conforming loan limit for a one-unit home in every South Dakota county, 2026
Limits by county from FHFA. Informational only, not lending advice.
Counties66in FHFA's file
Above the baseline0all at $832,750
Highest 4-unit limit$1,601,750every county
Rose since 202566of 66 counties
The four limits, drawn to scale
Every South Dakota county has the same 2026 limits, so one figure covers the state.
2026 limit hereceiling (150% of baseline)baseline
Source: FHFA 2026 county loan limit file.
Every South Dakota county
No rows match.
| Aurora County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
|---|---|---|---|---|---|
| Beadle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Bennett County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Bon Homme County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Brookings County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Brown County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Brule County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Buffalo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Butte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Campbell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Charles Mix County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Clark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Codington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Corson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Custer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Davison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Day County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Deuel County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Dewey County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Douglas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Edmunds County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Fall River County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Faulk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Grant County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Gregory County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Haakon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Hamlin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Hand County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Hanson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Harding County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Hughes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Hutchinson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Hyde County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Jerauld County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Jones County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Kingsbury County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Lawrence County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Lyman County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| McCook County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| McPherson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Meade County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Mellette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Miner County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Minnehaha County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Moody County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Oglala Lakota County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Pennington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Perkins County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Potter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Roberts County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Sanborn County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Spink County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Stanley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Sully County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Todd County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Tripp County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Turner County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Walworth County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Yankton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Ziebach County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
FHA limits in South Dakota
HUD sets FHA limits for each county between $541,287 and $1,249,125 for one unit in 2026. HUD's lookup has the exact county figures.
Questions
What is the 2026 conforming loan limit in South Dakota?
$832,750 for a one-unit home in every county.
Which South Dakota counties have the highest loan limits?
None stands out: all 66 counties share the $832,750 limit.
What is the FHA loan limit in South Dakota for 2026?
HUD sets FHA limits county by county, between $541,287 and $1,249,125 for one unit. HUD's FHA Mortgage Limits lookup has each county's exact figure.
Is a loan above the South Dakota limit a jumbo loan?
Yes. A loan above the conforming limit for its county and unit count is a jumbo loan, which Fannie Mae and Freddie Mac cannot buy.
Sources
- U.S. Federal Housing Finance Agency, Conforming Loan Limit Values, 2026 full county loan limit list (HERA-based, final, flat file; 3,235 county rows; downloaded November 1, 2026)
- FHFA, 2025 full county loan limit list (3,234 county rows), used for year-over-year change
- FHFA, Conforming Loan Limit Values FAQs (updated November 2025)
- U.S. Department of Housing and Urban Development, HUD's Federal Housing Administration Announces 2026 Loan Limits (December 11, 2025) and Mortgagee Letter 2025-23, 2026 Nationwide Forward Mortgage Limits
- HUD, FHA Mortgage Limits lookup (exact FHA limit by county and metro area)
Figures as published by the agencies. See sources and method.