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2026 limits · 66 counties

South Dakota 2026 loan limits for duplexes, triplexes and fourplexes

In South Dakota, the 2026 FHA limit for a fourplex runs from $1,041,125 to $1,041,650. 65 of 66 counties sit at the national floor; the highest is Lawrence County. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is the baseline $1,601,750 for a fourplex statewide.

$693,050 to $693,400FHA, 2 units
$1,041,125 to $1,041,650FHA, 4 units
1county above FHA's floor
$1,601,750highest conforming limit, 4 units

Every county in South Dakota

The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a county whose FHA limit is above the national floor.

County FHA 2026 Conforming 2026
2 units 3 units 4 units 2 units 3 units 4 units
Aurora County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Beadle County Huron, SD $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Bennett County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Bon Homme County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Brookings County Brookings, SD $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Brown County Aberdeen, SD $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Brule County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Buffalo County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Butte County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Campbell County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Charles Mix County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Clark County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Clay County Vermillion, SD $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Codington County Watertown, SD $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Corson County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Custer County Rapid City, SD $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Davison County Mitchell, SD $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Day County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Deuel County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Dewey County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Douglas County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Edmunds County Aberdeen, SD $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Fall River County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Faulk County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Grant County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Gregory County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Haakon County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Hamlin County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Hand County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Hanson County Mitchell, SD $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Harding County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Hughes County Pierre, SD $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Hutchinson County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Hyde County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Jackson County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Jerauld County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Jones County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Kingsbury County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Lake County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Lawrence County high-cost Spearfish, SD $693,400 $838,150 $1,041,650 $1,066,250 $1,288,800 $1,601,750
Lincoln County Sioux Falls, SD-MN $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Lyman County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Marshall County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
McCook County Sioux Falls, SD-MN $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
McPherson County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Meade County Rapid City, SD $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Mellette County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Miner County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Minnehaha County Sioux Falls, SD-MN $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Moody County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Oglala Lakota County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Pennington County Rapid City, SD $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Perkins County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Potter County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Roberts County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Sanborn County Mitchell, SD $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Spink County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Stanley County Pierre, SD $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Sully County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Todd County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Tripp County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Turner County Sioux Falls, SD-MN $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Union County Sioux City, IA-NE-SD $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Walworth County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Yankton County Yankton, SD $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Ziebach County $693,050 $837,700 $1,041,125 $1,066,250 $1,288,800 $1,601,750
Sources: HUD FHA forward mortgage limits for 2026 and FHFA conforming loan limits for 2026, county files retrieved October 24, 2026.

How much building fits under the limit

With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.

WhereDuplexTriplexFourplex
65 counties at the floor$718,186$868,082$1,078,886
Lawrence County$718,549$868,549$1,079,430
 Highest purchase price at 3.5% down that keeps the FHA base loan at or under the 2026 limit. Price above that means a bigger down payment, not a dead deal.

Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a county you pick.

VA and conventional in South Dakota

Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.

A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $832,750 in South Dakota. The guaranty is 25% of that figure minus the entitlement already used.

Run a South Dakota deal through the calculator

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