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South Dakota 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in South Dakota

South Dakota has 65 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Aurora County to a high of $1,041,650 for a 4-bedroom unit in Lawrence County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of South Dakota's counties, choose the county from the interactive map or the list below.


Lowest Loan Limit ($1,008,300) †
Highest Loan Limit ($1,041,650)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in South Dakota (65 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Aurora County $524,225 $1,008,300 view details »
Beadle County $524,225 $1,008,300 view details »
Bennett County $524,225 $1,008,300 view details »
Bon Homme County $524,225 $1,008,300 view details »
Brookings County $524,225 $1,008,300 view details »
Brown County $524,225 $1,008,300 view details »
Brule County $524,225 $1,008,300 view details »
Buffalo County $524,225 $1,008,300 view details »
Butte County $524,225 $1,008,300 view details »
Campbell County $524,225 $1,008,300 view details »
Charles Mix County $524,225 $1,008,300 view details »
Clark County $524,225 $1,008,300 view details »
Clay County $524,225 $1,008,300 view details »
Codington County $524,225 $1,008,300 view details »
Corson County $524,225 $1,008,300 view details »
Custer County $524,225 $1,008,300 view details »
Davison County $524,225 $1,008,300 view details »
Day County $524,225 $1,008,300 view details »
Deuel County $524,225 $1,008,300 view details »
Dewey County $524,225 $1,008,300 view details »
Douglas County $524,225 $1,008,300 view details »
Edmunds County $524,225 $1,008,300 view details »
Fall River County $524,225 $1,008,300 view details »
Faulk County $524,225 $1,008,300 view details »
Grant County $524,225 $1,008,300 view details »
Gregory County $524,225 $1,008,300 view details »
Haakon County $524,225 $1,008,300 view details »
Hamlin County $524,225 $1,008,300 view details »
Hand County $524,225 $1,008,300 view details »
Hanson County $524,225 $1,008,300 view details »
Harding County $524,225 $1,008,300 view details »
Hughes County $524,225 $1,008,300 view details »
Hutchinson County $524,225 $1,008,300 view details »
Hyde County $524,225 $1,008,300 view details »
Jackson County $524,225 $1,008,300 view details »
Jerauld County $524,225 $1,008,300 view details »
Jones County $524,225 $1,008,300 view details »
Kingsbury County $524,225 $1,008,300 view details »
Lake County $524,225 $1,008,300 view details »
Lawrence County $541,650 $1,041,650 view details »
Lincoln County $524,225 $1,008,300 view details »
Lyman County $524,225 $1,008,300 view details »
Mccook County $524,225 $1,008,300 view details »
Mcpherson County $524,225 $1,008,300 view details »
Marshall County $524,225 $1,008,300 view details »
Meade County $524,225 $1,008,300 view details »
Mellette County $524,225 $1,008,300 view details »
Miner County $524,225 $1,008,300 view details »
Minnehaha County $524,225 $1,008,300 view details »
Moody County $524,225 $1,008,300 view details »
Pennington County $524,225 $1,008,300 view details »
Perkins County $524,225 $1,008,300 view details »
Potter County $524,225 $1,008,300 view details »
Roberts County $524,225 $1,008,300 view details »
Sanborn County $524,225 $1,008,300 view details »
Spink County $524,225 $1,008,300 view details »
Stanley County $524,225 $1,008,300 view details »
Sully County $524,225 $1,008,300 view details »
Todd County $524,225 $1,008,300 view details »
Tripp County $524,225 $1,008,300 view details »
Turner County $524,225 $1,008,300 view details »
Union County $524,225 $1,008,300 view details »
Walworth County $524,225 $1,008,300 view details »
Yankton County $524,225 $1,008,300 view details »
Ziebach County $524,225 $1,008,300 view details »

How to qualify for an FHA Loan in South Dakota?

To qualify for an FHA loan in South Dakota, your home loan must be below the local FHA loan limits in your area. For 2025, the maximum loan limit in South Dakota is $524,225 for a single-family home and $1,041,650 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in South Dakota. Additional restricts apply. Click on the South Dakota map above or the table below to see loan limits in your area.


RELATED LINKS 
FHA Appraisers in South Dakota
FHA Inspectors in South Dakota
FHA Condos in South Dakota
FHA Lenders in South Dakota

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** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/south-dakota