Oglala Lakota County, SD: mortgages, home buyers & loan limits
What buyers in Oglala Lakota County actually borrowed, earned and paid in 2025, from the official Home Mortgage Disclosure Act records — plus the 2026 conforming and FHA loan limits.
HMDA 2025 data released June 23, 2026 · Loan limits for calendar year 2026
HMDA records show no originated home-purchase mortgages for owner-occupied single-family homes in Oglala Lakota County, SD in 2025.
2026 loan limits in Oglala Lakota County
| Property | Conforming 2026 | vs 2025 | FHA 2026 | vs 2025 |
|---|---|---|---|---|
| 1 unit | $832,750 | +$26,250 | $541,287 | +$17,062 |
| 2 units | $1,066,250 | +$33,600 | $693,050 | +$21,850 |
| 3 units | $1,288,800 | +$40,650 | $837,700 | +$26,425 |
| 4 units | $1,601,750 | +$50,500 | $1,041,125 | +$32,825 |
2026 limits for Oglala Lakota County, SD: conforming (Fannie Mae / Freddie Mac) from FHFA; FHA forward-mortgage limits from HUD. FHA limit is at the national floor for low-cost areas. Loans above the conforming limit are "jumbo" loans.
All South Dakota counties: South Dakota 2026 loan limits. FHFA and HUD normally announce the next year's limits in late November.
No completed home-purchase applications were reported for Oglala Lakota County in 2025.
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Principal, interest, property tax (0.38% typical effective rate here) and insurance, with Oglala Lakota County defaults.
Typical effective property-tax rate 0.38% = median real estate taxes ÷ median home value, U.S. Census Bureau ACS 2020–2024 5-year estimates.
Nearby counties
| County | Distance | Purchase loans | Median loan | Buyer income | Conforming limit | FHA limit |
|---|---|---|---|---|---|---|
| Bennett County, SD | 46 mi | 2 | — | — | $832,750 | $541,287 |
| Pennington County, SD | 48 mi | 1,311 | $325,000 | $102,000 | $832,750 | $541,287 |
| Fall River County, SD | 48 mi | 74 | $245,000 | $94,000 | $832,750 | $541,287 |
| Custer County, SD | 51 mi | 71 | $355,000 | $110,000 | $832,750 | $541,287 |
| Dawes County, NE | 52 mi | 63 | $155,000 | $77,000 | $832,750 | $541,287 |
| Jackson County, SD | 53 mi | 2 | — | — | $832,750 | $541,287 |
Frequently asked questions
What is the 2026 conforming loan limit in Oglala Lakota County?
$832,750 for a one-unit home (FHFA). Two- to four-unit limits are $1,066,250, $1,288,800, $1,601,750. Loans above the limit are jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac.
What is the 2026 FHA loan limit in Oglala Lakota County?
$541,287 for a one-unit home (HUD). This is the national floor for low-cost areas.
Sources: FFIEC/CFPB HMDA 2025 public loan/application register (Snapshot as of June 1, 2026); FHFA 2026 conforming loan limits; HUD 2026 FHA forward-mortgage limits; U.S. Census Bureau. Figures describe typical 2025 loans, not your offer. Methodology