FHA Loan Limits in Lawrence County, South Dakota (2026)
In Lawrence County — anchored by Lawrence County — the 2026 FHA loan limit for a single-family home is $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 |
These 2026 limits apply throughout Lawrence County, from Lawrence County outward, and sit alongside the limits set for neighboring Minnehaha and Pennington Counties.
Affording a home in Lawrence County & Lawrence County
With Lawrence County's median sale price estimated near $345,000 (think Lawrence 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 Lawrence County
Whether you are buying in Lawrence County or a smaller Lawrence 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 — $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 Lawrence County too — get notified.
In Lawrence County and the surrounding Lawrence County market, FHA's appeal is the math: $12,075 down on a $345,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Lawrence County
Investors and house-hackers in Lawrence County and across Lawrence 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 Lawrence County for 2026?
- In Lawrence County (Lawrence 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 Lawrence County with FHA?
- For a median-priced ($345,000) Lawrence 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 Lawrence County?
- 3.5% with a 580+ score — roughly $12,075 on a $345,000 Lawrence County-area home. Gift funds are allowed.
- Is Lawrence County a high-cost FHA area?
- No — Lawrence County uses the $541,287 national floor for one unit.