FHA Loan Limits in Roberts County, South Dakota (2026)
Buying in Roberts County or elsewhere in Roberts County? The 2026 FHA single-family limit across the county 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 Roberts County, from Roberts County outward, and sit alongside the limits set for neighboring Minnehaha and Pennington Counties.
FHA affordability around Roberts County
Homes around Roberts County carry an estimated local median near $334,000, so an FHA buyer in Roberts County puts down about $11,690 (3.5%). With South Dakota's 1.17% effective property-tax rate, the all-in payment runs near $2,609 a month — comfortable on household income around $101,000, above South Dakota's $69,457 median household income, so budget carefully.
FHA payment scenarios in Roberts County
Whether you are buying in Roberts County or a smaller Roberts 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 — $240,000 | $8,400 | $1,908 |
| Local median — $334,000 | $11,690 | $2,609 |
| 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 Roberts County too — get notified.
In Roberts County and the surrounding Roberts County market, FHA's appeal is the math: $11,690 down on a $334,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Roberts County
Investors and house-hackers in Roberts County and across Roberts 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 Roberts County for 2026?
- In Roberts County (Roberts 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 Roberts County with FHA?
- For a median-priced ($334,000) Roberts County home, plan on income around $101,000 at a 31% housing ratio — about $2,609/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Roberts County?
- 3.5% with a 580+ score — roughly $11,690 on a $334,000 Roberts County-area home. Gift funds are allowed.
- Is Roberts County a high-cost FHA area?
- No — Roberts County uses the $541,287 national floor for one unit.