South Dakota conforming loan limits 2026
South Dakota has 66 counties. Every county uses the $832,750 baseline — no part of the state qualifies for a high-cost limit.
No part of it qualifies for a high-cost figure, so every county here uses the $832,750 baseline. For 2026, the figure moved in 66 of its 66 counties and 0 stayed the same.
South Dakota ranks 24th of 56 jurisdictions by county count, and 23rd by highest limit. Of its counties, 21 sit inside a metropolitan or micropolitan area, across 12 such areas. None of its counties shares a statistical area with a county on a higher figure elsewhere.
All counties in South Dakota
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Aurora County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Beadle County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bennett County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bon Homme County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Brookings County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Brown County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Brule County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Buffalo County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Butte County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Campbell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Charles Mix County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clark County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clay County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Codington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Corson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Custer County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Davison County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Day County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Deuel County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Dewey County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Douglas County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Edmunds County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Fall River County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Faulk County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Grant County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Gregory County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Haakon County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hamlin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hand County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hanson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Harding County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hughes County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hutchinson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hyde County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jackson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jerauld County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jones County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kingsbury County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lake County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lawrence County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lincoln County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lyman County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Marshall County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mccook County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mcpherson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Meade County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mellette County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Miner County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Minnehaha County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Moody County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Oglala Lakota County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pennington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Perkins County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Potter County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Roberts County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sanborn County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Spink County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Stanley County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sully County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Todd County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Tripp County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Turner County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Union County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Walworth County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Yankton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ziebach County | $832,750 | $806,500 | $766,550 | +3.3% | — |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of South Dakota use the baseline conforming loan limit?
Yes — all 66 counties use the $832,750 baseline in 2026.
What counts as a jumbo loan in South Dakota?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.