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SD
South Dakota
2024 Loan Rules & Limits
📊 Loan Limits (2024)
Conforming Limit
$766,550
FHFA single-family baseline
FHA Floor
$498,257
HUD single-family baseline
💰 Tax Climate
State Income Tax
No
No state income tax
🏛️ State Housing Agency
SDHDA
Available Programs
- SDHDA First-time Homebuyer
- SDHDA Governor's House
📋 Lending Notes
No state income tax — favorable for buyers. Standard loan limits. Rapid City (Black Hills) is the most competitive market.
Loan limits effective January 1, 2024. Actual limits vary by county. Always verify current limits with your lender or at hud.gov and fhfa.gov.