FHA Loan Limits in Butte County, South Dakota (2026)
From Butte County, FHA buyers in Butte 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 Butte County to the edges of Butte 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 Butte County?
With Butte County's median sale price estimated near $290,000 (think Butte County), the FHA down payment is roughly $10,150. Factoring South Dakota property taxes near 1.17%, expect about $2,281 monthly, pointing to income near $88,000 — above South Dakota's $69,457 median household income, so budget carefully.
FHA payment scenarios in Butte County
Here is what an FHA payment looks like at three Butte County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $209,000 | $7,315 | $1,676 |
| Local median — $290,000 | $10,150 | $2,281 |
| 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 Butte County too — get notified.
First-time buyers make up much of FHA activity in Butte County and across Butte County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,150 needed on a median Butte County home.
Multi-unit FHA limits in Butte County
Looking at a duplex or fourplex near Butte County? FHA allows up to $692,997 on two units and $1,041,072 on four in Butte 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 Butte County for 2026?
- In Butte County (Butte 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 Butte County with FHA?
- For a median-priced ($290,000) Butte County home, plan on income around $88,000 at a 31% housing ratio — about $2,281/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Butte County?
- 3.5% with a 580+ score — roughly $10,150 on a $290,000 Butte County-area home. Gift funds are allowed.
- Is Butte County a high-cost FHA area?
- No — Butte County uses the $541,287 national floor for one unit.