FHA Loan Limits in Meade County, South Dakota (2026)
From Meade County, FHA buyers in Meade 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 Meade County to the edges of Meade 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 Meade County?
Homes around Meade County carry an estimated local median near $299,000, so an FHA buyer in Meade County puts down about $10,465 (3.5%). With South Dakota's 1.17% effective property-tax rate, the all-in payment runs near $2,348 a month — comfortable on household income around $91,000, above South Dakota's $69,457 median household income, so budget carefully.
FHA payment scenarios in Meade County
Whether you are buying in Meade County or a smaller Meade 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 Meade County too — get notified.
First-time buyers make up much of FHA activity in Meade County and across Meade County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,465 needed on a median Meade County home.
Multi-unit FHA limits in Meade County
Investors and house-hackers in Meade County and across Meade 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 Meade County for 2026?
- In Meade County (Meade 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 Meade County with FHA?
- For a median-priced ($299,000) Meade 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 Meade County?
- 3.5% with a 580+ score — roughly $10,465 on a $299,000 Meade County-area home. Gift funds are allowed.
- Is Meade County a high-cost FHA area?
- No — Meade County uses the $541,287 national floor for one unit.