Todd County, South Dakota has a 2026 one-unit conforming loan limit of $832,750, which is 15.4 times the county's median home value of $53,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $42,075 (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) | $53,900 |
| South Dakota median home value | $257,400 |
| Limit ÷ median home value | 15.45× |
| Median household income | $42,075 |
| Median home value ÷ income | 1.3× |
| Population | 9,244 |
| Median property tax paid (owners) | $975 |
| Effective property tax rate (approx.) | 1.81% |
| Owner-occupied homes | 46.3% |
| Home value rank in South Dakota | 65 of 66 counties |
| Neighbor: Cherry County, NE | limit $832,750; median home $152,200 |
| Neighbor: Keya Paha County, NE | limit $832,750; median home $108,800 |
| Neighbor: Bennett County, SD | limit $832,750; median home $156,400 |
| Neighbor: Jackson County, SD | limit $832,750; median home $117,300 |
| Neighbor: Mellette County, SD | limit $832,750; median home $84,100 |
| 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. Todd County's median home value is 79% below the state median of $257,400 (rank 65 of 66). Among its 6 neighboring counties, Bennett County has the highest median home value ($156,400) and Mellette County the lowest ($84,100); all share the same loan limit. Owners pay a median $975 a year in property tax, an effective rate of about 1.81% 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 Todd County, South Dakota?
Todd County, South Dakota has a 2026 one-unit conforming loan limit of $832,750, which is 15.4 times the county's median home value of $53,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $42,075 (FHFA; Census ACS 2020–2024).
What is the median home value in Todd County, South Dakota?
The median owner-occupied home value in Todd County is $53,900 (ACS 2020–2024), versus $257,400 statewide.
Do I need a jumbo loan in Todd County?
Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $53,900, so the cap is 15.45 times the typical home value.
Related
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Last updated Oct 18, 2026, 10:02 PM ET. Data only, not financial or tax advice.
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