FHA Loan Limits in South Dakota (2026)
For 2026, the FHA loan limit in most South Dakota counties is $541,287 for a single-family home. South Dakota has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in South Dakota
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Minnehaha County | $541,287 | $692,997 | $1,041,072 | Standard |
| Pennington County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lincoln County | $541,287 | $692,997 | $1,041,072 | Standard |
| Brown County | $541,287 | $692,997 | $1,041,072 | Standard |
| Brookings County | $541,287 | $692,997 | $1,041,072 | Standard |
| Codington County | $541,287 | $692,997 | $1,041,072 | Standard |
| Meade County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lawrence County | $541,287 | $692,997 | $1,041,072 | Standard |
| Davison County | $541,287 | $692,997 | $1,041,072 | Standard |
| Yankton County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hughes County | $541,287 | $692,997 | $1,041,072 | Standard |
| Beadle County | $541,287 | $692,997 | $1,041,072 | Standard |
| Butte County | $541,287 | $692,997 | $1,041,072 | Standard |
| Charles Mix County | $541,287 | $692,997 | $1,041,072 | Standard |
| Union County | $541,287 | $692,997 | $1,041,072 | Standard |
| Roberts County | $541,287 | $692,997 | $1,041,072 | Standard |
| Spink County | $541,287 | $692,997 | $1,041,072 | Standard |
| Turner County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in South Dakota
FHA loans are popular with first-time buyers in South Dakota because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in South Dakota for 2026?
- Most South Dakota counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in South Dakota?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.