Highest FHA limit in South Dakota
$541,650
In 2026, FHA one-unit limits in South Dakota range from $541,287 to $541,650 (Lawrence County). 65 of 66 counties use the national floor.
65 of 66counties at the $541,287 floor
All South Dakota counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Lawrence County | $541,650 | $693,400 | $1,041,650 | $832,750 |
| Aurora County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Beadle County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bennett County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bon Homme County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Brookings County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Brown County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Brule County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Buffalo County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Butte County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Campbell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Charles Mix County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clark County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clay County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Codington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Corson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Custer County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Davison County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Day County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Deuel County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dewey County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Douglas County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Edmunds County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fall River County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Faulk County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Grant County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gregory County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Haakon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hamlin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hand County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hanson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Harding County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hughes County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hutchinson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hyde County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jackson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jerauld County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jones County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kingsbury County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lake County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lincoln County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lyman County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marshall County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McCook County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McPherson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Meade County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mellette County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Miner County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Minnehaha County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Moody County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Oglala Lakota County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pennington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Perkins County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Potter County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Roberts County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sanborn County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Spink County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Stanley County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sully County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Todd County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tripp County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Turner County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Union County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Walworth County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Yankton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ziebach County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in South Dakota for 2026?
In 2026, FHA one-unit limits in South Dakota range from $541,287 to $541,650 (Lawrence County). 65 of 66 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.