2026 conforming loan limits
2026 conforming loan limits in South Dakota
South Dakota has 66 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for South Dakota is $832,750 — the national baseline that applies to the contiguous states, DC, and Puerto Rico. One-unit limits in the dataset range from $832,750 to $832,750.
Baseline
66
Special statutory baseline
0
High-cost area
0
Every county/equivalent in South Dakota
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Aurora County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Beadle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bennett County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bon Homme County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Brookings County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Brown County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Brule County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Buffalo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Butte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Campbell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Charles Mix County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Codington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Corson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Custer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Davison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Day County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Deuel County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dewey County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Douglas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Edmunds County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Fall River County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Faulk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Grant County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Gregory County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Haakon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hamlin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hand County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hanson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Harding County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hughes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hutchinson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hyde County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jerauld County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jones County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kingsbury County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lawrence County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lyman County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mccook County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mcpherson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Meade County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mellette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Miner County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Minnehaha County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Moody County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Oglala Lakota County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pennington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Perkins County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Potter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Roberts County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sanborn County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Spink County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Stanley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sully County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Todd County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Tripp County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Turner County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Walworth County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Yankton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ziebach County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
Verify these numbers
- Open the official FHFA 2026 County Loan Limit List.
- Filter to South Dakota (SD).
- Confirm the 1–4 unit limits match this table.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count for South Dakota: 66. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.