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Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Today's South Dakota Mortgage Rates in the HSH Lender Showcase

South Dakota Mortgages

If you own, or are interested in owning, property in South Dakota, you should check out HSH.com.

You'll find HSH.com a comprehensive source for current SD mortgage rates, historical mortgage rate trends, and much more. HSH.com has information you can use to:

  • Finance the a home purchase in South Dakota. With its affordable prices and wide open spaces, South Dakota has much to offer, and HSH.com can help you buy your home with info on South Dakota mortgage rates and lenders.
  • Tap into home equity. A home equity loan can be a practical solution for financing home improvements or other long-term projects.
  • Refinance a mortgage. Check out SD mortgage rates and refinancing calculators on HSH.com to see if you can lower monthly payments, pay off your mortgage earlier than planned, or change the terms of your home loan.

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2024 Conforming loan limits for South Dakota

Select County
County Name One Family Two Family Three Family Four Family
Aurora County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Beadle County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bennett County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bon Homme County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Brookings County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Brown County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Brule County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Buffalo County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Butte County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Campbell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Charles Mix County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Clark County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Clay County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Codington County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Corson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Custer County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Davison County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Day County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Deuel County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Dewey County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Douglas County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Edmunds County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Fall River County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Faulk County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Grant County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Gregory County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Haakon County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hamlin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hand County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hanson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Harding County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hughes County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hutchinson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hyde County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jackson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jerauld County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jones County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Kingsbury County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lake County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lawrence County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lincoln County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lyman County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Marshall County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mccook County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mcpherson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Meade County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mellette County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Miner County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Minnehaha County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Moody County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Oglala Lakota County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pennington County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Perkins County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Potter County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Roberts County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Sanborn County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Spink County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Stanley County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Sully County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Todd County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Tripp County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Turner County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Union County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Walworth County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Yankton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Ziebach County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
30-year fixed mortgage rates
15-year fixed mortgage rates
20-year fixed mortgage rates
10-year fixed mortgage rates
5/1 Adjustable Rate Mortgage Rates
7/1 Adjustable Rate Mortgage Rates
10/1 Adjustable Rate Mortgage Rates
VA mortgage rates
FHA mortgage rates
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