Pennington County, South Dakota has a 2026 one-unit conforming loan limit of $832,750, which is 2.8 times the county's median home value of $302,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $74,517 (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) | $302,200 |
| South Dakota median home value | $257,400 |
| Limit ÷ median home value | 2.76× |
| Median household income | $74,517 |
| Median home value ÷ income | 4.1× |
| Population | 113,512 |
| Median property tax paid (owners) | $3,265 |
| Effective property tax rate (approx.) | 1.08% |
| Owner-occupied homes | 69.3% |
| Home value rank in South Dakota | 5 of 66 counties |
| Neighbor: Custer County, SD | limit $832,750; median home $372,100 |
| Neighbor: Haakon County, SD | limit $832,750; median home $164,200 |
| Neighbor: Jackson County, SD | limit $832,750; median home $117,300 |
| Neighbor: Lawrence County, SD | limit $832,750; median home $346,500 |
| Neighbor: Meade County, SD | limit $832,750; median home $310,900 |
| Neighbor: Oglala Lakota County, SD | limit $832,750; median home $52,900 |
| Neighbor: Weston County, WY | limit $832,750; median home $221,700 |
Across South Dakota's 66 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Pennington County's median home value is 17% above the state median of $257,400 (rank 5 of 66). Among its 7 neighboring counties, Custer County has the highest median home value ($372,100) and Oglala Lakota County the lowest ($52,900); all share the same loan limit. Owners pay a median $3,265 a year in property tax, an effective rate of about 1.08% 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
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- 2026 conforming loan limit: Peoria County, IL
- 2026 conforming loan limit: Pepin County, WI
Last updated 2026-10-16. Data only, not financial or tax advice.