Union 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 $301,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $89,636 (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) | $301,100 |
| South Dakota median home value | $257,400 |
| Limit ÷ median home value | 2.77× |
| Median household income | $89,636 |
| Median home value ÷ income | 3.4× |
| Population | 17,081 |
| Median property tax paid (owners) | $3,317 |
| Effective property tax rate (approx.) | 1.10% |
| Owner-occupied homes | 73.1% |
| Home value rank in South Dakota | 6 of 66 counties |
| Neighbor: Plymouth County, IA | limit $832,750; median home $228,900 |
| Neighbor: Sioux County, IA | limit $832,750; median home $250,100 |
| Neighbor: Woodbury County, IA | limit $832,750; median home $183,200 |
| Neighbor: Dakota County, NE | limit $832,750; median home $185,700 |
| Neighbor: Dixon County, NE | limit $832,750; median home $155,900 |
| Neighbor: Clay County, SD | limit $832,750; median home $232,300 |
| Neighbor: Lincoln County, SD | limit $832,750; median home $348,300 |
Across South Dakota's 66 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Union County's median home value is 17% above the state median of $257,400 (rank 6 of 66). Among its 7 neighboring counties, Lincoln County has the highest median home value ($348,300) and Dixon County the lowest ($155,900); all share the same loan limit. Owners pay a median $3,317 a year in property tax, an effective rate of about 1.10% 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: Ziebach County, SD
Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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