Harding 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 $166,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $80,441 (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) | $166,100 |
| South Dakota median home value | $257,400 |
| Limit ÷ median home value | 5.01× |
| Median household income | $80,441 |
| Median home value ÷ income | 2.1× |
| Population | 1,148 |
| Median property tax paid (owners) | $1,863 |
| Effective property tax rate (approx.) | 1.12% |
| Owner-occupied homes | 76.5% |
| Home value rank in South Dakota | 34 of 66 counties |
| Neighbor: Carter County, MT | limit $832,750; median home $199,200 |
| Neighbor: Fallon County, MT | limit $832,750; median home $244,800 |
| Neighbor: Adams County, ND | limit $832,750; median home $113,200 |
| Neighbor: Bowman County, ND | limit $832,750; median home $164,900 |
| Neighbor: Butte County, SD | limit $832,750; median home $244,600 |
| Neighbor: Perkins County, SD | limit $832,750; median home $114,600 |
Across South Dakota's 66 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Harding County's median home value is 35% below the state median of $257,400 (rank 34 of 66). Among its 6 neighboring counties, Fallon County has the highest median home value ($244,800) and Adams County the lowest ($113,200); all share the same loan limit. Owners pay a median $1,863 a year in property tax, an effective rate of about 1.12% 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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