Douglas County, South Dakota has a 2026 one-unit conforming loan limit of $832,750, which is 5.0 times the county's median home value of $166,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $86,442 (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) | $166,900 |
| South Dakota median home value | $257,400 |
| Limit ÷ median home value | 4.99× |
| Median household income | $86,442 |
| Median home value ÷ income | 1.9× |
| Population | 2,828 |
| Median property tax paid (owners) | $1,653 |
| Effective property tax rate (approx.) | 0.99% |
| Owner-occupied homes | 76.7% |
| Home value rank in South Dakota | 33 of 66 counties |
| Neighbor: Aurora County, SD | limit $832,750; median home $151,900 |
| Neighbor: Charles Mix County, SD | limit $832,750; median home $170,600 |
| Neighbor: Davison County, SD | limit $832,750; median home $205,800 |
| Neighbor: Hutchinson County, SD | limit $832,750; median home $163,000 |
Across South Dakota's 66 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Douglas County's median home value is 35% below the state median of $257,400 (rank 33 of 66). Among its 4 neighboring counties, Davison County has the highest median home value ($205,800) and Aurora County the lowest ($151,900); all share the same loan limit. Owners pay a median $1,653 a year in property tax, an effective rate of about 0.99% 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: Douglas County, NE
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- 2026 conforming loan limit: Drew County, AR
- 2026 conforming loan limit: Dubois County, IN
- 2026 conforming loan limit: Dubuque County, IA
Last updated 2026-10-16. Data only, not financial or tax advice.