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South Dakota Mortgage Calculator

Calculate your South Dakota mortgage payment with state-specific property tax rates (1.28% average), income tax (No state income tax), and 2026 conforming loan limits.

South Dakota-Specific Inputs

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South Dakota Property Tax

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SD average: 1.28%

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Other costs

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South Dakota Mortgage Overview

South Dakota has no state income tax and moderate property taxes.

2026 Conforming Loan Limits

  • Single-family: $806,500
  • Two-unit: $1,032,320
  • Three-unit: $1,250,075
  • Four-unit: $1,548,480

South Dakota Income Tax Rates (2026)

South Dakota has a state income tax with rates of No state income tax.

South Dakota Property Tax

First-Time Homebuyer Programs

South Dakota Housing Development Authority offers down payment assistance and favorable loan terms for qualifying first-time buyers in South Dakota.

Both income and home price are capped.

South Dakota Mortgage FAQ

What is the average property tax rate in South Dakota?
What is the income tax in South Dakota?
What are South Dakota's conforming loan limits for 2026?

For 2026, the conforming loan limit for a single-family home in South Dakota is $806,500. This limit marks the boundary between conforming and jumbo loans.

Are there first-time homebuyer programs in South Dakota?

Both income and home price are capped.

How much do I need for a down payment in South Dakota?

Related resources

National Mortgage Calculator → SD Paycheck Calculator → Affordability Calculator → Down Payment Calculator → All State Calculators → How Much House Can I Afford? →