FHA Loan Limits and USDA Eligibility in South Dakota
2026 FHA one-unit limits in South Dakota range from $541,287 to $541,650. About 98% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $137,800. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for South Dakota
USDA Property Eligibility and Income Limits Map for South Dakota
South Dakota FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Aurora County | $541,287 | $122,800 |
| Beadle County | $541,287 | $122,800 |
| Bennett County | $541,287 | $122,800 |
| Bon Homme County | $541,287 | $122,800 |
| Brookings County | $541,287 | $130,300 |
| Brown County | $541,287 | $122,800 |
| Brule County | $541,287 | $122,800 |
| Buffalo County | $541,287 | $122,800 |
| Butte County | $541,287 | $122,800 |
| Campbell County | $541,287 | $124,000 |
| Charles Mix County | $541,287 | $122,800 |
| Clark County | $541,287 | $122,800 |
| Clay County | $541,287 | $122,800 |
| Codington County | $541,287 | $122,800 |
| Corson County | $541,287 | $122,800 |
| Custer County | $541,287 | $122,800 |
| Davison County | $541,287 | $122,800 |
| Day County | $541,287 | $122,800 |
| Deuel County | $541,287 | $122,800 |
| Dewey County | $541,287 | $122,800 |
| Douglas County | $541,287 | $126,150 |
| Edmunds County | $541,287 | $122,800 |
| Fall River County | $541,287 | $122,800 |
| Faulk County | $541,287 | $122,800 |
| Grant County | $541,287 | $122,800 |
| Gregory County | $541,287 | $122,800 |
| Haakon County | $541,287 | $122,800 |
| Hamlin County | $541,287 | $122,800 |
| Hand County | $541,287 | $126,350 |
| Hanson County | $541,287 | $122,850 |
| Harding County | $541,287 | $122,800 |
| Hughes County | $541,287 | $126,350 |
| Hutchinson County | $541,287 | $122,800 |
| Hyde County | $541,287 | $122,800 |
| Jackson County | $541,287 | $122,800 |
| Jerauld County | $541,287 | $122,800 |
| Jones County | $541,287 | $122,800 |
| Kingsbury County | $541,287 | $122,800 |
| Lake County | $541,287 | $122,800 |
| Lawrence County | $541,650 | $122,800 |
| Lincoln County | $541,287 | $136,500 |
| Lyman County | $541,287 | $122,800 |
| Marshall County | $541,287 | $129,000 |
| McCook County | $541,287 | $136,500 |
| McPherson County | $541,287 | $122,800 |
| Meade County | $541,287 | $122,800 |
| Mellette County | $541,287 | $122,800 |
| Miner County | $541,287 | $122,800 |
| Minnehaha County | $541,287 | $136,500 |
| Moody County | $541,287 | $122,800 |
| Oglala Lakota County | $541,287 | $122,800 |
| Pennington County | $541,287 | $122,800 |
| Perkins County | $541,287 | $122,800 |
| Potter County | $541,287 | $122,800 |
| Roberts County | $541,287 | $122,800 |
| Sanborn County | $541,287 | $122,800 |
| Spink County | $541,287 | $122,800 |
| Stanley County | $541,287 | $137,800 |
| Sully County | $541,287 | $122,800 |
| Todd County | $541,287 | $122,800 |
| Tripp County | $541,287 | $122,800 |
| Turner County | $541,287 | $136,500 |
| Union County | $541,287 | $122,800 |
| Walworth County | $541,287 | $122,800 |
| Yankton County | $541,287 | $122,800 |
| Ziebach County | $541,287 | $122,800 |
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