FHA Loan Limits in Brown County, South Dakota (2026)
From Brown County, FHA buyers in Brown County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Brown County to the edges of Brown County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Minnehaha and Pennington Counties.
What can you buy with FHA in Brown County?
An FHA buyer near Brown County faces an estimated $272,000 median, a $9,520 down payment, and — after South Dakota's 1.17% property tax — a monthly cost around $2,147. That suits household income of roughly $83,000, above South Dakota's $69,457 median household income, so budget carefully.
FHA payment scenarios in Brown County
Whether you are buying in Brown County or a smaller Brown County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $196,000 | $6,860 | $1,579 |
| Local median — $272,000 | $9,520 | $2,147 |
| 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 Brown County too — get notified.
First-time buyers make up much of FHA activity in Brown County and across Brown County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $9,520 needed on a median Brown County home.
Multi-unit FHA limits in Brown County
Investors and house-hackers in Brown County and across Brown County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Brown County for 2026?
- In Brown County (Brown 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 Brown County with FHA?
- For a median-priced ($272,000) Brown County home, plan on income around $83,000 at a 31% housing ratio — about $2,147/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Brown County?
- 3.5% with a 580+ score — roughly $9,520 on a $272,000 Brown County-area home. Gift funds are allowed.
- Is Brown County a high-cost FHA area?
- No — Brown County uses the $541,287 national floor for one unit.