2026 conforming loan limits · South Dakota
All 66 counties in South Dakota use the same one-unit conforming limit of $832,750.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
South Dakota at a glance
| Metric | Value |
|---|---|
| Counties | 66 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $832,750 |
| Distinct one-unit limits | 1 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 0 of 66 (0.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
Every county in South Dakota carries the same one-unit limit, so there is no high-cost ranking to show.
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Aurora County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Beadle County | HURON, SD | $832,750 | $541,287 | $291,463 |
| Bennett County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Bon Homme County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Brookings County | BROOKINGS, SD | $832,750 | $541,287 | $291,463 |
| Brown County | ABERDEEN, SD | $832,750 | $541,287 | $291,463 |
| Brule County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Buffalo County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Butte County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Campbell County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Charles Mix County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clark County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clay County | VERMILLION, SD | $832,750 | $541,287 | $291,463 |
| Codington County | WATERTOWN, SD | $832,750 | $541,287 | $291,463 |
| Corson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Custer County | RAPID CITY, SD | $832,750 | $541,287 | $291,463 |
| Davison County | MITCHELL, SD | $832,750 | $541,287 | $291,463 |
| Day County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Deuel County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Dewey County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Douglas County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Edmunds County | ABERDEEN, SD | $832,750 | $541,287 | $291,463 |
| Fall River County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Faulk County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Grant County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Gregory County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Haakon County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hamlin County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hand County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hanson County | MITCHELL, SD | $832,750 | $541,287 | $291,463 |
| Harding County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hughes County | PIERRE, SD | $832,750 | $541,287 | $291,463 |
| Hutchinson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hyde County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jackson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jerauld County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jones County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Kingsbury County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lake County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lawrence County | SPEARFISH, SD | $832,750 | $541,650 | $291,100 |
| Lincoln County | SIOUX FALLS, SD-MN | $832,750 | $541,287 | $291,463 |
| Lyman County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Mccook County | SIOUX FALLS, SD-MN | $832,750 | $541,287 | $291,463 |
| Mcpherson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Marshall County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Meade County | RAPID CITY, SD | $832,750 | $541,287 | $291,463 |
| Mellette County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Miner County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Minnehaha County | SIOUX FALLS, SD-MN | $832,750 | $541,287 | $291,463 |
| Moody County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Oglala Lakota County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pennington County | RAPID CITY, SD | $832,750 | $541,287 | $291,463 |
| Perkins County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Potter County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Roberts County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Sanborn County | MITCHELL, SD | $832,750 | $541,287 | $291,463 |
| Spink County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Stanley County | PIERRE, SD | $832,750 | $541,287 | $291,463 |
| Sully County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Todd County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Tripp County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Turner County | SIOUX FALLS, SD-MN | $832,750 | $541,287 | $291,463 |
| Union County | SIOUX CITY, IA-NE-SD | $832,750 | $541,287 | $291,463 |
| Walworth County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Yankton County | YANKTON, SD | $832,750 | $541,287 | $291,463 |
| Ziebach County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Aurora County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Beadle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bennett County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bon Homme County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brookings County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brown County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brule County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Buffalo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Butte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Campbell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Charles Mix County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Codington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Corson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Custer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Davison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Day County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Deuel County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dewey County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Douglas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Edmunds County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fall River County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Faulk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grant County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gregory County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Haakon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hamlin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hand County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hanson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Harding County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hughes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hutchinson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hyde County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jerauld County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jones County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kingsbury County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lawrence County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lyman County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mccook County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mcpherson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Meade County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mellette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Miner County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Minnehaha County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Moody County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Oglala Lakota County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pennington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Perkins County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Potter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Roberts County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sanborn County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Spink County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stanley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sully County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Todd County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tripp County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Turner County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Walworth County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yankton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ziebach County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)