FHA Loan Limits in Hughes County, South Dakota (2026)
Hughes County and the rest of Hughes 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 |
From Hughes County to the edges of Hughes County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Minnehaha and Pennington Counties.
How much home can you afford in Hughes County?
With Hughes County's median sale price estimated near $345,000 (think Hughes County), the FHA down payment is roughly $12,075. Factoring South Dakota property taxes near 1.17%, expect about $2,691 monthly, pointing to income near $104,000 — above South Dakota's $69,457 median household income, so budget carefully.
FHA payment scenarios in Hughes County
Here is what an FHA payment looks like at three Hughes County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $248,000 | $8,680 | $1,967 |
| Local median — $345,000 | $12,075 | $2,691 |
| 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 Hughes County too — get notified.
First-time buyers make up much of FHA activity in Hughes County and across Hughes County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $12,075 needed on a median Hughes County home.
Multi-unit FHA limits in Hughes County
Looking at a duplex or fourplex near Hughes County? FHA allows up to $692,997 on two units and $1,041,072 on four in Hughes 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 Hughes County for 2026?
- In Hughes County (Hughes 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 Hughes County with FHA?
- For a median-priced ($345,000) Hughes County home, plan on income around $104,000 at a 31% housing ratio — about $2,691/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Hughes County?
- 3.5% with a 580+ score — roughly $12,075 on a $345,000 Hughes County-area home. Gift funds are allowed.
- Is Hughes County a high-cost FHA area?
- No — Hughes County uses the $541,287 national floor for one unit.