Sully County, South Dakota has a 2026 one-unit conforming loan limit of $832,750, which is 4.1 times the county's median home value of $205,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $72,578 (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) | $205,400 |
| South Dakota median home value | $257,400 |
| Limit ÷ median home value | 4.05× |
| Median household income | $72,578 |
| Median home value ÷ income | 2.8× |
| Population | 1,526 |
| Median property tax paid (owners) | $1,715 |
| Effective property tax rate (approx.) | 0.83% |
| Owner-occupied homes | 72.8% |
| Home value rank in South Dakota | 23 of 66 counties |
| Neighbor: Dewey County, SD | limit $832,750; median home $69,600 |
| Neighbor: Hughes County, SD | limit $832,750; median home $242,000 |
| Neighbor: Hyde County, SD | limit $832,750; median home $181,600 |
| Neighbor: Potter County, SD | limit $832,750; median home $121,300 |
| Neighbor: Stanley County, SD | limit $832,750; median home $203,500 |
Across South Dakota's 66 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Sully County's median home value is 20% below the state median of $257,400 (rank 23 of 66). Among its 5 neighboring counties, Hughes County has the highest median home value ($242,000) and Dewey County the lowest ($69,600); all share the same loan limit. Owners pay a median $1,715 a year in property tax, an effective rate of about 0.83% 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.
Frequently asked questions
What is the conforming loan limit in Sully County, South Dakota?
Sully County, South Dakota has a 2026 one-unit conforming loan limit of $832,750, which is 4.1 times the county's median home value of $205,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $72,578 (FHFA; Census ACS 2020–2024).
What is the median home value in Sully County, South Dakota?
The median owner-occupied home value in Sully County is $205,400 (ACS 2020–2024), versus $257,400 statewide.
Do I need a jumbo loan in Sully County?
Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $205,400, so the cap is 4.05 times the typical home value.
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Last updated Oct 17, 2026, 10:23 PM ET. Data only, not financial or tax advice.
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