FHA Loan Limits in Brookings County, South Dakota (2026)
Brookings County and the rest of Brookings County, South Dakota fall under a 2026 one-unit FHA limit of $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 |
Every community in Brookings County — Brookings County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Minnehaha and Pennington Counties.
How much home can you afford in Brookings County?
An FHA buyer near Brookings County faces an estimated $255,000 median, a $8,925 down payment, and — after South Dakota's 1.17% property tax — a monthly cost around $2,020. That suits household income of roughly $78,000, above South Dakota's $69,457 median household income, so budget carefully.
FHA payment scenarios in Brookings County
FHA payments across Brookings County price points — from entry homes near Brookings County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $184,000 | $6,440 | $1,490 |
| Local median — $255,000 | $8,925 | $2,020 |
| 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 Brookings County too — get notified.
Buyers across Brookings County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $8,925 down payment near Brookings County into little out of pocket.
Multi-unit FHA limits in Brookings County
Brookings County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Brookings County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Brookings County for 2026?
- In Brookings County (Brookings 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 Brookings County with FHA?
- For a median-priced ($255,000) Brookings County home, plan on income around $78,000 at a 31% housing ratio — about $2,020/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Brookings County?
- 3.5% with a 580+ score — roughly $8,925 on a $255,000 Brookings County-area home. Gift funds are allowed.
- Is Brookings County a high-cost FHA area?
- No — Brookings County uses the $541,287 national floor for one unit.