FHA Loan Limits in Yankton County, South Dakota (2026)
From Yankton County, FHA buyers in Yankton 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 Yankton County to the edges of Yankton 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 Yankton County?
With Yankton County's median sale price estimated near $290,000 (think Yankton County), the FHA down payment is roughly $10,150. Factoring South Dakota property taxes near 1.17%, expect about $2,281 monthly, pointing to income near $88,000 — above South Dakota's $69,457 median household income, so budget carefully.
FHA payment scenarios in Yankton County
Here is what an FHA payment looks like at three Yankton County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $209,000 | $7,315 | $1,676 |
| Local median — $290,000 | $10,150 | $2,281 |
| 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 Yankton County too — get notified.
First-time buyers make up much of FHA activity in Yankton County and across Yankton County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,150 needed on a median Yankton County home.
Multi-unit FHA limits in Yankton County
Looking at a duplex or fourplex near Yankton County? FHA allows up to $692,997 on two units and $1,041,072 on four in Yankton County, with the same low 3.5% down for owner-occupants.
Get FHA Rate & Program Alerts
Rates move daily and FHA rules change often. We will tell you the moment something shifts.
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 Yankton County for 2026?
- In Yankton County (Yankton 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 Yankton County with FHA?
- For a median-priced ($290,000) Yankton County home, plan on income around $88,000 at a 31% housing ratio — about $2,281/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Yankton County?
- 3.5% with a 580+ score — roughly $10,150 on a $290,000 Yankton County-area home. Gift funds are allowed.
- Is Yankton County a high-cost FHA area?
- No — Yankton County uses the $541,287 national floor for one unit.