South Dakota FHA Loan Limits 2026

View FHA loan limits for all 66 counties in South Dakota. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

Lowest Limit

$541,287

Highest Limit

$541,650

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.South Dakota has 65 standard-limit counties and 1 high-cost area. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Aurora County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Beadle County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bennett County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bon Homme Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brookings Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brown County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brule County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Buffalo County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Butte County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Campbell Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Charles Mix Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clark County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clay County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Codington Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Corson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Custer County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Davison County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Day County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Deuel County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dewey County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Douglas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Edmunds County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fall River Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Faulk County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Grant County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gregory County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Haakon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hamlin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hand County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hanson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Harding County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hughes County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hutchinson Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hyde County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jackson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jerauld County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jones County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kingsbury Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lake County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lawrence Count	$541,650	$693,400	$838,150	$1,041,650	High-Cost	Calculate
Lincoln County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lyman County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marshall Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mccook County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mcpherson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Meade County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mellette Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Miner County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Minnehaha Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Moody County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Oglala Lakota	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pennington Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Perkins County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Potter County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Roberts County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sanborn County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Spink County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Stanley County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sully County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Todd County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tripp County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Turner County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Union County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Walworth Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Yankton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ziebach County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in South Dakota

Use the calculator below with South Dakota pre-selected. Choose your county to see the exact FHA limit that applies to you.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

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Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

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Understanding FHA Loan Limits in South Dakota

FHA loan limits in South Dakota vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, South Dakota's single-family FHA limits range from $541,287 to $541,650.

The variation in limits reflects differences in median home prices across South Dakota's counties. 1 county is designated as high-cost areas with limits above the national floor of $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.