Gregory County, South Dakota has a 2026 one-unit conforming loan limit of $832,750, which is 6.0 times the county's median home value of $139,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $62,917 (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) | $139,900 |
| South Dakota median home value | $257,400 |
| Limit ÷ median home value | 5.95× |
| Median household income | $62,917 |
| Median home value ÷ income | 2.2× |
| Population | 4,016 |
| Median property tax paid (owners) | $1,428 |
| Effective property tax rate (approx.) | 1.02% |
| Owner-occupied homes | 76.7% |
| Home value rank in South Dakota | 48 of 66 counties |
| Neighbor: Boyd County, NE | limit $832,750; median home $104,000 |
| Neighbor: Keya Paha County, NE | limit $832,750; median home $108,800 |
| Neighbor: Charles Mix County, SD | limit $832,750; median home $170,600 |
| Neighbor: Lyman County, SD | limit $832,750; median home $165,800 |
| Neighbor: Tripp County, SD | limit $832,750; median home $132,900 |
Across South Dakota's 66 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Gregory County's median home value is 46% below the state median of $257,400 (rank 48 of 66). Among its 5 neighboring counties, Charles Mix County has the highest median home value ($170,600) and Boyd County the lowest ($104,000); all share the same loan limit. Owners pay a median $1,428 a year in property tax, an effective rate of about 1.02% 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.
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