2026 FHA Loan Limits in South Dakota

One-unit limits in South Dakota: $541,287–$541,650. Enter a property ZIP to see every county FHA lists and the 1–4 unit caps.

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South Dakota one-unit limits: —

South Dakota

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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+For official verification, see HUD.gov

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2026 one-unit floor and ceiling

From HUD for case numbers assigned on or after January 1, 2026. South Dakota one-unit limits run from $541,287 to $541,650. The national floor is $541,287. The high-cost ceiling is $1,249,125.

South Dakota low

$541,287

Lowest one-unit FHA cap among South Dakota counties.

South Dakota high

$541,650

Highest one-unit FHA cap among South Dakota counties.

2026 limits from HUD's CY2026 FHA Forward Limits · ZIP-to-county from the CHUMS ZIP file · File layouts · Confirm a county on the official HUD lookup.

FHA loan limits in South Dakota

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