FHA Loan Limits in Davison County, South Dakota (2026)
From Davison County, FHA buyers in Davison 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 |
Every community in Davison County — Davison County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Minnehaha and Pennington Counties.
What can you buy with FHA in Davison County?
An FHA buyer near Davison County faces an estimated $299,000 median, a $10,465 down payment, and — after South Dakota's 1.17% property tax — a monthly cost around $2,348. That suits household income of roughly $91,000, above South Dakota's $69,457 median household income, so budget carefully.
FHA payment scenarios in Davison County
Whether you are buying in Davison County or a smaller Davison 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 — $215,000 | $7,525 | $1,721 |
| Local median — $299,000 | $10,465 | $2,348 |
| 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 Davison County too — get notified.
Buyers across Davison County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $10,465 down payment near Davison County into little out of pocket.
Multi-unit FHA limits in Davison County
Investors and house-hackers in Davison County and across Davison 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.
Be First to Know When FHA Rates Move
We track HUD and FHA so you can move at the right moment — free, no pressure.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Davison County for 2026?
- In Davison County (Davison 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 Davison County with FHA?
- For a median-priced ($299,000) Davison County home, plan on income around $91,000 at a 31% housing ratio — about $2,348/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Davison County?
- 3.5% with a 580+ score — roughly $10,465 on a $299,000 Davison County-area home. Gift funds are allowed.
- Is Davison County a high-cost FHA area?
- No — Davison County uses the $541,287 national floor for one unit.