Clay County, South Dakota has a 2026 one-unit conforming loan limit of $832,750, which is 3.6 times the county's median home value of $232,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $56,850 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $232,300 |
| South Dakota median home value | $257,400 |
| Limit ÷ median home value | 3.58× |
| Median household income | $56,850 |
| Median home value ÷ income | 4.1× |
| Population | 15,219 |
| Median property tax paid (owners) | $2,937 |
| Effective property tax rate (approx.) | 1.26% |
| Owner-occupied homes | 50.8% |
| Home value rank in South Dakota | 13 of 66 counties |
| Neighbor: Cedar County, NE | limit $832,750; median home $185,000 |
| Neighbor: Dixon County, NE | limit $832,750; median home $155,900 |
| Neighbor: Lincoln County, SD | limit $832,750; median home $348,300 |
| Neighbor: Turner County, SD | limit $832,750; median home $222,900 |
| Neighbor: Union County, SD | limit $832,750; median home $301,100 |
| Neighbor: Yankton County, SD | limit $832,750; median home $225,900 |
Across South Dakota's 66 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Clay County's median home value is 10% below the state median of $257,400 (rank 13 of 66). Among its 6 neighboring counties, Lincoln County has the highest median home value ($348,300) and Dixon County the lowest ($155,900); all share the same loan limit. Owners pay a median $2,937 a year in property tax, an effective rate of about 1.26% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Clay County, MS
- 2026 conforming loan limit: Clay County, NC
- 2026 conforming loan limit: Clay County, NE
- 2026 conforming loan limit: Clay County, TN
- 2026 conforming loan limit: Clay County, TX
- 2026 conforming loan limit: Clay County, WV
- 2026 conforming loan limit: Clayton County, GA
- 2026 conforming loan limit: Clayton County, IA
Last updated 2026-10-16. Data only, not financial or tax advice.