FHA Loan Limits in Beadle County, South Dakota (2026)
In Beadle County — anchored by Beadle County — the 2026 FHA loan limit for a single-family home is $541,287. That matches the national FHA floor used across most of the Midwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Beadle County to the edges of Beadle County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Minnehaha and Pennington Counties.
Affording a home in Beadle County & Beadle County
An FHA buyer near Beadle County faces an estimated $296,000 median, a $10,360 down payment, and — after South Dakota's 1.17% property tax — a monthly cost around $2,326. That suits household income of roughly $90,000, above South Dakota's $69,457 median household income, so budget carefully.
FHA payment scenarios in Beadle County
Here is what an FHA payment looks like at three Beadle County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $213,000 | $7,455 | $1,706 |
| Local median — $296,000 | $10,360 | $2,326 |
| At the FHA limit — $541,287 | $18,945 | $4,156 |
Estimates include FHA MIP plus South Dakota property taxes and insurance. Rates move daily near Beadle County too — get notified.
First-time buyers make up much of FHA activity in Beadle County and across Beadle County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,360 needed on a median Beadle County home.
Multi-unit FHA limits in Beadle County
Looking at a duplex or fourplex near Beadle County? FHA allows up to $692,997 on two units and $1,041,072 on four in Beadle County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Beadle County for 2026?
- In Beadle County (Beadle County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Beadle County with FHA?
- For a median-priced ($296,000) Beadle County home, plan on income around $90,000 at a 31% housing ratio — about $2,326/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Beadle County?
- 3.5% with a 580+ score — roughly $10,360 on a $296,000 Beadle County-area home. Gift funds are allowed.
- Is Beadle County a high-cost FHA area?
- No — Beadle County uses the $541,287 national floor for one unit.