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South Dakota 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in South Dakota

South Dakota has 65 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in Aurora County to a high of $907,900 for a 4-bedroom unit in Aurora 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 ($907,900)
Highest Loan Limit ($907,900)

† 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 $472,030 $907,900 view details »
Beadle County $472,030 $907,900 view details »
Bennett County $472,030 $907,900 view details »
Bon Homme County $472,030 $907,900 view details »
Brookings County $472,030 $907,900 view details »
Brown County $472,030 $907,900 view details »
Brule County $472,030 $907,900 view details »
Buffalo County $472,030 $907,900 view details »
Butte County $472,030 $907,900 view details »
Campbell County $472,030 $907,900 view details »
Charles Mix County $472,030 $907,900 view details »
Clark County $472,030 $907,900 view details »
Clay County $472,030 $907,900 view details »
Codington County $472,030 $907,900 view details »
Corson County $472,030 $907,900 view details »
Custer County $472,030 $907,900 view details »
Davison County $472,030 $907,900 view details »
Day County $472,030 $907,900 view details »
Deuel County $472,030 $907,900 view details »
Dewey County $472,030 $907,900 view details »
Douglas County $472,030 $907,900 view details »
Edmunds County $472,030 $907,900 view details »
Fall River County $472,030 $907,900 view details »
Faulk County $472,030 $907,900 view details »
Grant County $472,030 $907,900 view details »
Gregory County $472,030 $907,900 view details »
Haakon County $472,030 $907,900 view details »
Hamlin County $472,030 $907,900 view details »
Hand County $472,030 $907,900 view details »
Hanson County $472,030 $907,900 view details »
Harding County $472,030 $907,900 view details »
Hughes County $472,030 $907,900 view details »
Hutchinson County $472,030 $907,900 view details »
Hyde County $472,030 $907,900 view details »
Jackson County $472,030 $907,900 view details »
Jerauld County $472,030 $907,900 view details »
Jones County $472,030 $907,900 view details »
Kingsbury County $472,030 $907,900 view details »
Lake County $472,030 $907,900 view details »
Lawrence County $472,030 $907,900 view details »
Lincoln County $472,030 $907,900 view details »
Lyman County $472,030 $907,900 view details »
Mccook County $472,030 $907,900 view details »
Mcpherson County $472,030 $907,900 view details »
Marshall County $472,030 $907,900 view details »
Meade County $472,030 $907,900 view details »
Mellette County $472,030 $907,900 view details »
Miner County $472,030 $907,900 view details »
Minnehaha County $472,030 $907,900 view details »
Moody County $472,030 $907,900 view details »
Pennington County $472,030 $907,900 view details »
Perkins County $472,030 $907,900 view details »
Potter County $472,030 $907,900 view details »
Roberts County $472,030 $907,900 view details »
Sanborn County $472,030 $907,900 view details »
Spink County $472,030 $907,900 view details »
Stanley County $472,030 $907,900 view details »
Sully County $472,030 $907,900 view details »
Todd County $472,030 $907,900 view details »
Tripp County $472,030 $907,900 view details »
Turner County $472,030 $907,900 view details »
Union County $472,030 $907,900 view details »
Walworth County $472,030 $907,900 view details »
Yankton County $472,030 $907,900 view details »
Ziebach County $472,030 $907,900 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 2023, the maximum loan limit in South Dakota is $472,030 for a single-family home and $907,900 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.


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