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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in SD - South Dakota FHA Mortgage

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.

Select County
County Name One Family Two Family Three Family Four Family
Aurora One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Beadle One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bennett One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bon Homme One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Brookings One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Brown One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Brule One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Buffalo One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Butte One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Campbell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Charles Mix One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clark One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clay One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Codington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Corson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Custer One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Davison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Day One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Deuel One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dewey One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Douglas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Edmunds One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fall River One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Faulk One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Grant One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Gregory One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Haakon One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hamlin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hand One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hanson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Harding One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hughes One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hutchinson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hyde One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jackson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jerauld One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jones One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Kingsbury One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lake One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lawrence One Family$541,650 Two Family$693,400 Three Family$838,150 Four Family$1,041,650
Lincoln One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lyman One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marshall One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mccook One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mcpherson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Meade One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mellette One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Miner One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Minnehaha One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Moody One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Oglala Lakota One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pennington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Perkins One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Potter One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Roberts One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sanborn One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Spink One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Stanley One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sully One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Todd One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tripp One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Turner One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Union One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Walworth One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Yankton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Ziebach One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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