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Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Current FHA Mortgage Rates in SD - South Dakota FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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South Dakota Mortgages

2024 FHA Loan Limits for South Dakota

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in South Dakota are below.

County Name One Family Two Family Three Family Four Family
Aurora One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Beadle One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bennett One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bon Homme One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Brookings One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Brown One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Brule One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Buffalo One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Butte One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Campbell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Charles Mix One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clark One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clay One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Codington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Corson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Custer One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Davison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Day One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Deuel One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dewey One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Douglas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Edmunds One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Fall River One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Faulk One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Grant One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Gregory One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Haakon One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hamlin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hand One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hanson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Harding One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hughes One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hutchinson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hyde One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jackson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jerauld One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jones One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Kingsbury One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lake One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lawrence One Family$541,650 Two Family$693,400 Three Family$838,150 Four Family$1,041,650
Lincoln One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lyman One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marshall One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mccook One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mcpherson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Meade One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mellette One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Miner One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Minnehaha One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Moody One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Oglala Lakota One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pennington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Perkins One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Potter One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Roberts One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sanborn One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Spink One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Stanley One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sully One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Todd One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Tripp One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Turner One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Union One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Walworth One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Yankton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ziebach One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
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