Buying a Home in the Sioux Falls, SD Area: The Falls, Harrisburg, Tea, Brandon and the Towns Around Them
At the north end of downtown Sioux Falls, the Big Sioux River drops over ledges of quartzite, the falls the city is named for. Falls Park keeps its gates open every day of the year, the five-story observation tower is free to climb, and the farmers market sets up at the picnic shelter from May through October. Locals call the park "the Falls." They call the region around it the Sioux Empire, a name residents took up in the early 1990s so nobody would mix them up with Siouxland, which belongs to Sioux City, Iowa, according to KXRB. The REALTOR association here is named for it too: the REALTOR Association of the Sioux Empire.
I'm Jeff Moran, NMLS #483943, a mortgage broker licensed in South Dakota through C2 Financial Corporation, and I have been in the mortgage business since 1996. I work from Bluffton, South Carolina, and I wrote this page for anyone thinking about buying a home in the Sioux Falls area. The Sioux Falls area is the city itself, spread across Minnehaha and Lincoln counties, plus Harrisburg, Tea and Brandon on its edges, Dell Rapids and Canton a little farther out, and the small towns of Turner and McCook counties. I go through those places first, then what is being built, the roads, the schools, the hospitals and the employers. After that come the things worth looking up on any address before you compare it with another: the school district, the county, the property tax classification and the flood map. The facts below come from public sources, linked beside the ones that matter most, and I checked them on October 12, 2026.
Sioux Falls, Harrisburg, Tea, Brandon and the rest of the Sioux Empire
Sioux Falls, the city
The city passed 220,000 residents in 2025 and has been adding close to 6,000 a year, as KELOLAND reported. It got there by annexing land, which means taking in ground outside its limits and making it part of the city. The city covered 57.8 square miles at the 2000 count and 85.2 by 2025, and it has added 14,000 housing units since 2020, according to SiouxFalls.Business. That growth ran south across the county line, so a Sioux Falls address can be in Minnehaha County or in Lincoln County, and the county's property records show which one the home you are looking at is in.
The city adopted a new long-range plan, Shape Sioux Falls 2050, on February 10, 2026. It sorts the land around the city into three tiers. Tier 1 is land the plan advises annexing within five years, with all city services available. Tier 2 is land where services are projected in six to fifteen years, and Tier 3 is sixteen to twenty-five years out. If you are looking at acreage just outside the city limits and wondering whether it will be inside the city later, that plan is the document that answers it.
The Cathedral Historic District stands nearly 100 feet above downtown, overlooking the Big Sioux valley, and it has been on the National Register of Historic Places since 1974, according to the American Planning Association. The district grew by about 30 homes in 2023, so an older map of its boundary is out of date. McKennan Park, south of downtown, is a historic neighborhood named for the park at its center, where eight public tennis courts and a wading pool share the grounds. If you are looking at a home in either one and plan to change the outside of it, the city's neighborhood association list and its historic district boundaries are published as open data. They show whether the address is inside a district where the city reviews changes to the exterior of a home before you make them.
Downtown
Jacobson Plaza opened at the upper falls on June 30, 2025 with a refrigerated ice-skating ribbon, a splash pad, a dog park and a 26,000-square-foot playground, as SDPB reported on June 27, 2025. Phase 2 is under construction with a completion date of November 30, 2026, according to the City of Sioux Falls. It adds walking trails, a connection toward Falls Park, an overlook and a plaza to hold the Christmas tree that used to stand at the Washington Pavilion. In September 2026 the International Downtown Association gave Downtown Sioux Falls its Pinnacle Award for the plaza.
Along the river, Cherapa Place now has all of its restaurants open, as SiouxFalls.Business reported. HK is a nine-course fine-dining room that moved there from the Harvester Building, Nunzios is an Italian food hall, and BlackFork Farms pairs retail with a distillery tasting room. Rivage Oak Kitchen, in the Apex building, cooks from a South Dakota-sourced menu. The Steel District, a separate downtown redevelopment, added four restaurants of its own. North Minnesota Avenue from Second to Fourth Street was rebuilt in 2026 with a new water main, a center median and new lighting. If you are looking at a home at the north end of downtown, that is the stretch you will drive in on.
Smithfield Foods has run a plant at the north end of downtown for more than 100 years, and on February 16, 2026 it announced a new facility at Foundation Park to replace it, as Dakota News Now reported. The employer section below has the timeline. I have not seen an announcement about what happens to the downtown land it will leave behind, so if you are looking at a home near it, that is a question for the city's planning office.
Harrisburg
Harrisburg is in Lincoln County, south of the city, and SD News Watch reports it grew from 6,845 residents in 2020 to 10,405 in 2025, the fastest growth of any South Dakota city over 5,000. Between 600 and 800 acres are under development for single-family homes, apartments and 55-plus housing, according to SiouxFalls.Business. The Dakota Scout reported in February 2026 that the city had annexed more than 520 acres of new development, approved plans for another 894 residential lots, and brought its planning and engineering in-house to keep up. Its Southeast Infrastructure Project is replacing clay sewer pipe, and the acreage on the west end opens up as sewer and water reach it. If you are looking at a lot out on that west end, please ask the builder when the sewer and water lines get there, because that date decides when the home can be built.
Allen Homes builds the Lone Tree community here. The town runs its own library on Willow Street rather than a county branch. At Lake Alvin, just outside town, the dam spillway was rebuilt and the lake is full again, with the swim beach and boat ramps back open. Harrisburg is about seven miles from Sioux Falls, so if you are comparing a home here with one on the south side of the city, it is worth driving that route at the hour you would actually use it.
Tea
Tea is also in Lincoln County, west of I-29. The City of Tea put its population at 8,051 on January 1, 2026, after adding about 500 residents, 60 living units and more than $34 million in building permit value during 2025. Six developers are active on about 600 acres, so if you are looking at a new home in Tea, you have more than one builder to compare. The town's largest recent project, Bakker Landing, is primarily commercial, which the city describes as a change from years of growth that was mostly residential. The 85th Street interchange in the roads section below runs from the Sioux Falls city limits east of I-29 to the Tea city limits west of it, and it is the project that ties the two together. Tea's library shares a building with the middle and high school on Brian Street, and the town holds a Saturday market with vendors and music by the city park pond on the third Saturday of the month.
Brandon
Brandon is east of Sioux Falls on I-90, in Minnehaha County. Its Exit 406 interchange was rebuilt as a diverging diamond, a design where traffic crosses briefly to the left side of the road so left turns onto the ramps do not wait on a signal. That was a $41.3 million project the South Dakota DOT scheduled to finish in June 2026, and if you are looking at a home in Brandon, that exit is your ramp onto I-90. Allen Homes builds Aspen Ridge here. McHardy Park covers 74 acres on Splitrock Creek with a 50-foot observation tower, a footbridge and a sledding hill, and Big Sioux Recreation Area has 49 campsites and three cabins. The Brandon Farmers Market sets up Saturdays on Splitrock Boulevard from May through October.
If you are looking at land between Sioux Falls and Brandon, a data center is planned for that stretch. In January 2026 the Sioux Falls City Council voted 7-0 to rezone 145.6 acres of a 160-acre parcel there to light industrial for the Gemini data center project, after hours of public testimony against it, as SDPB reported. The developer says it will start at 2 megawatts with closed-loop cooling, which reuses the same water instead of drawing fresh water, and scale up over time. The full campus is planned at 500 megawatts, and those are the company's own figures rather than the city's.
Dell Rapids
Dell Rapids is north of the city on the Big Sioux, in Minnehaha County, and the red quartzite its quarries cut shows up around town. The trail along the river is named the Sioux River Red Rock Trail for it, and the 1934 city pool is built of it, with a bathhouse added in 2008. The city park and river beach date to 1913. Dell Rapids runs its own library, in a building that came from a 1908 Carnegie grant, instead of joining the county system, and The Market in The Dells runs Saturdays in the city park through the summer. The town is on the river, so if you are looking at a home in Dell Rapids, the flood section below covers what June 2024 meant here and how to check an address against the flood map.
Canton and Lennox
Canton holds the Lincoln County courthouse, and it took about 18 inches of rain in June 2024, which the flood section below covers. The Canton Depot, a 1907 railroad depot moved to its present site during 1997, now holds a museum and the chamber office. Newton Hills State Park covers a thousand wooded acres south of town, open the whole year, with Lake Lakota about a mile southeast of the main park. Lennox, west of Canton, has its own library, a historical museum on Main Street and Long Creek Park, the largest of its city parks. If you are looking at a home in either town, you look up the same three things as anywhere else in the metro: the county, the school district and the flood map, each covered below.
Turner County and McCook County
Turner County's seat is Parker. Its 1902 courthouse was closed over structural damage and mold, and the county commission decided to raze it and build a replacement on the same site, as the Yankton Press & Dakotan reported in November 2024. Court proceedings moved to the McCook County Courthouse in Salem and court services to the Hutchinson County Courthouse in Olivet. I could not confirm where the replacement stands today. So if you are buying in Turner County, please ask the county where the register of deeds, the office that records deeds and mortgages, is working from before you set a closing date. Parker, Centerville, Viborg, Hurley and Marion each keep a town pool or library, and Viborg has a museum of its Danish settlement on Park Avenue.
McCook County's seat is Salem, which keeps a small Main Street farmers market and the county museum on Norton Avenue. Lake Vermillion, near Canistota, is a 512-acre reservoir on the East Fork of the Vermillion River, the largest open water inside the metro counties, with a swim beach, a ski beach and two boat ramps. Porter Sculpture Park in Montrose has a 60-foot bull head that weighs twenty-five tons, open May 15 to October 15. McCook County posts its commission minutes online as dated PDFs, so if you are looking at acreage here, those minutes are where a rezoning or a new subdivision near it shows up.
New neighborhoods, and who pays for the sewer
New homes here get built where the sewer and water lines reach. Nothing in my research turned up a residential permit cap or a building moratorium, a temporary stop on new permits, anywhere in the metro. Harrisburg's acreage opens as its pipe reaches it, and the Shape Sioux Falls 2050 tiers are defined by when city services arrive.
Inside the city, the approved residential developments dashboard states the rule plainly: no building permit is issued within a development until the Final Development Plan is approved and the plat is filed. The Final Development Plan is the city's approved layout for the whole development, and the plat is the recorded map that divides the land into lots and streets. The named developments include The Sanctuary, a 200-acre project in northeast Sioux Falls, and McGee Farms and Majestic Village, two single-family developments Paul Fick Custom Homes announced for 2026. Iron Bridge in the southeast and Willow Springs on the east side are both Allen Homes communities. The next phase of the Yukon Apartments at 5500 West Raleigh Place was permitted in July 2026. If you are buying in a new development, that dashboard shows whether it is on the approved list yet. The city's own permit statistics show apartment units running ahead of the last two years in 2026, while total permit valuation is running behind 2025, so the slowdown this year is in single-family building. Many of this year's rezonings changed land zoned for single-family homes over to townhomes and duplexes, including some north of East 41st Street.
As far as the city's published fees show, Sioux Falls does not charge an impact fee, the one-time charge some cities put on each new home to pay for roads and services. It charges utility connection fees instead, plus a wastewater system capacity charge that took effect January 1, 2026 under section 51.081.03 of the city code. The city says the charge pays for "construction or expansion of infrastructure necessary to serve new development or redevelopment." It runs from $474.30 to $23,715.00 depending on the water meter size, and a 5/8-inch home meter is at the bottom of that range. If you are buying a newly built home, please ask the builder whether the capacity charge has already been paid for that lot, and at which meter size, so it does not surprise you at closing.
A pre-annexation agreement commits land outside the city to being annexed later, and city taxes and city services come with that. The city has one on file for the 85th Street and I-29 business district, signed by a joint venture group. If you are looking at land near that interchange, please ask whether the parcel is under one, because city taxes would be part of its bill once it is annexed.
The roads: Veterans Parkway, 85th Street and I-229
The state is spending roughly $810 million on roads in this metro through 2027, about 60% of it inside the Sioux Falls city limits, according to Pigeon605.
Veterans Parkway, SD Highway 100. This is the second beltway, a highway that loops around the outside of the city: 17 miles from I-90 in the northeast to I-29 in the southwest, running roughly parallel to I-229 about 2.5 miles outside it. On the south side, the first segment from Western Avenue to Cliff Avenue opened in November 2024, and the second, from Cliff to Sycamore Avenue, began in spring 2025. As of August 27, 2026, Sycamore Avenue and Southeastern Avenue were open and the bridge over the BNSF Railway was substantially complete, according to the project's own site. The remaining segments run through 2029, and that site is the one to bookmark if you are buying on the east or south side.
I-29 and 85th Street. A $54.5 million diverging diamond interchange, the same design as Brandon's Exit 406, is being built here, connecting 85th Street from the Sioux Falls city limits to the Tea city limits, with a pedestrian and bicycle underpass. Construction began in November 2025, the interchange is expected to open to traffic in fall 2026 or spring 2027, and the South Dakota DOT lists overall completion for November 2027. Lincoln County took a state loan to help pay for the exit, as KELOLAND reported. A season-long single-lane closure on southbound I-229 ran from March 16 through September 2026 for this project. If you are looking at a home in Tea or near 85th Street, the open-to-traffic date is the one that changes your drive.
Cliff Avenue and I-229, Exit 4. The interchange is being rebuilt as a single point urban interchange, a design that brings the four ramps to one traffic signal in the middle of the bridge, so left turns from both directions move at the same time. The work also covers Cliff Avenue from 38th Street to the Spencer Park entrance and a realigned 41st Street, with every public utility in the project area replaced. The City of Sioux Falls lists completion for June 25, 2027, with the northbound I-229 lanes and the second structure built in 2026. If you are looking at a home along that stretch of Cliff Avenue, you will be living with the work until then.
I-90 and the airport. Pavement repair at the I-29 and I-90 interchange was scheduled to begin May 5, 2026, closing the southbound I-29 driving lane during the work. Sioux Falls Regional Airport is expanding its concourse to 12 gates, a net gain of five, with the whole project finishing in summer 2027 and a customs facility for international service planned after that, as SiouxFalls.Business reported. 2025 was a record year for passengers there.
Schools: three districts run schools inside the city limits
A Sioux Falls mailing address does not tell you the school district. The Brandon Valley, Harrisburg and Tea Area districts all operate schools inside the Sioux Falls city limits, alongside the Sioux Falls School District, as the Argus Leader explained in 2021. Each district publishes its own boundary map, and that map is the thing to check for any address you are considering. Each one has been building, and the way each paid for it reaches your tax bill. A levy is a tax rate, stated as dollars per $1,000 of taxable value, and the school levy is one line on the property tax bill of a home in that district.
Brandon Valley is opening its fifth elementary, Burkman Valley Elementary, east of Hidden Valley Golf Course on Brandon's east side, slated for fall 2026, as KELOLAND reported. The construction bid came in under budget at $23 million, which let the district also add a $6.8 million expansion to the middle school. That addition brings ten classrooms, new athletic and kitchen facilities and more parking, finishing fall 2026, according to the district. The district paid for both with capital outlay certificates, a kind of borrowing a school board can approve on its own without asking voters, and it says the construction carries no added cost to Brandon Valley taxpayers. If you are buying in this district, that is the financing behind the school line on your tax bill. A second phase is being planned for around 2028 to 2029.
Harrisburg has built by asking its voters. A school bond is borrowing the district pays back through the school levy, and voters approved a $60 million one with an 83% margin for East Middle School and a Freshman Academy, as KELOLAND reported. In September 2022 they approved a $30 million bond for a new elementary west of South Cliff Avenue, to relieve Liberty Elementary, plus a bus garage and site work. The district's annual report lists enrollment by building, so if you want to know how many students the school nearest a home holds, that report has the number.
Tea Area added students again in fall 2026, and its board has been weighing when to build a new elementary and when to hold the bond vote for it. I could not confirm where that timing landed, so the district office is the place to ask if you are buying in Tea. The Sioux Falls School District reported a slight enrollment decline for fall 2026, as Dakota News Now reported, while the metro's population kept growing.
Hospitals and the biggest employers
Sanford Health opened its Sanford Orthopedic Hospital in January 2026 on the Sanford USD Medical Center campus, attached to Sanford Children's Hospital, with a 56-room hotel on its sixth and seventh floors, as Healthcare Design described it. On March 27, 2024, Avera announced a six-story tower at Avera McKennan Hospital & University Health Center and a three-story building at its Avera on Louise campus, as Dakota News Now reported. Together they add 350,000 square feet, the largest expansion of hospital patient care space in the city's history. The Louise building was targeted for early 2026 and the main campus for early 2027, so if you are looking at a home near either campus, that is the construction you will be driving past until then.
Those two systems are also the two largest employers. The Sioux Falls Development Foundation listed Sanford Health at 11,000 to 11,500 employees and Avera Health at 9,500 to 10,000 in June 2026, followed by Smithfield Foods, Amazon, Hy-Vee, Citi and Premier Bankcard.
Smithfield's new fresh pork and packaged meats plant is going to Foundation Park, the state's largest industrial park, at the I-29 and I-90 intersection in northwest Sioux Falls. The company aims to keep more than 3,100 Sioux Falls jobs, and the Development Foundation calls it the largest business investment in South Dakota's history. The timeline it published runs from site work in spring 2026 to breaking ground in the first half of 2027 and production at the end of 2028. If you work at Smithfield, your commute moves to the northwest side of the city on that schedule. Amazon has run a 640,000-square-foot fulfillment center in the park since late 2022, and FedEx is building a 330,000-square-foot distribution center there on 36 acres, as KELOLAND reported.
Property tax on a Sioux Falls area home
South Dakota taxes a home you live in at a lower rate than other property, and you have to apply for it. The owner-occupied classification is filed by March 15 with the county Director of Equalization, the office that sets the taxable value of each property, according to the South Dakota Department of Revenue. The classification gives you a lower levy rate rather than a dollar amount taken off the bill. County guides describe the test as whether you owned and lived in the home on November 1 of the prior year, so a closing late in the year can affect which tax year the classification first applies to. Please ask the Minnehaha or Lincoln County Director of Equalization how your closing date works with that calendar. I'll build the escrow estimate, the part of your monthly payment set aside for taxes and insurance, on that answer rather than on the seller's bill.
The bill on a home here adds up several levies, and the Minnehaha County Director of Equalization lists them. The county levy, the city or township levy, the school levy and any rural fire, rural library or water district levy all go on the same bill. On top of those can come a special assessment, which is a charge on one property for an improvement that serves it, such as a new street or sidewalk. So there is no single Minnehaha County rate, and two homes in different school districts can carry different bills at the same value. For 2026, Sioux Falls Live reported that Minnehaha County's levy rate is its lowest since 2012 and that bills still ticked up slightly, because the rate is applied to higher assessed values, the county's own valuation of each home.
Senate Bill 216, a state law signed March 13, 2025, caps the growth in a county's total owner-occupied assessed value at 3% a year for taxes payable in 2027 through 2031. It caps the county's total for the classification, so your own home's assessment can still rise by more than 3%. It starts with taxes payable in 2027, so it has nothing to do with a 2026 bill. And a county may add the value of new improvements and newly reclassified homes on top of the cap, which is why the new homes in Harrisburg and Tea come in above it. The same bill widened the state's assessment freeze program, which holds the taxable value of a home in place for homeowners who meet its age and income limits.
South Dakota's real estate transfer fee is paid by the seller under state law, at 50 cents per $500 of value. The South Dakota page covers that fee and how a closing works here.
The Big Sioux, the levees and flood insurance
Between June 20 and 22, 2024, 10 to 20 inches of rain fell across the Big Sioux basin, with about 18 inches on Canton, according to the National Weather Service in Sioux Falls. The Big Sioux set a record crest more than seven feet above its old record, and more than 300 homes and businesses across the region were destroyed. Sioux Falls, Canton and McCook Lake were among the hardest-hit South Dakota communities, as KELOLAND reported. If a home you are considering is near the river, it is worth asking the seller directly what that June looked like at the property.
The city's levees along the Big Sioux and Skunk Creek were first built in the 1950s. They were upgraded, and on August 22, 2014 the Army Corps of Engineers notified the city that it had certified them to hold the storm flows they were designed for, according to the City of Sioux Falls. The city and the Corps then filed a Letter of Map Revision with FEMA, which is the request that asks FEMA to redraw its flood map to reflect the certified levees. South Dakota's congressional delegation has pressed FEMA since then to finalize the revised map. I could not confirm where that map stands today, and it decides whether a given address near the river or the creek is inside FEMA's high-risk flood area, the zone where a lender requires flood insurance. So for any home near the Big Sioux or Skunk Creek, please have a flood insurance agent read FEMA's current effective map for that exact address, starting from the city's flood insurance page. Homeowners insurance excludes flood damage, and National Flood Insurance Program coverage is available for any property in the city.
There are three river gauges in the city, the Big Sioux at North Cliff Avenue, the Big Sioux at Maple Street and Skunk Creek, so a flood headline's number depends on which gauge it is quoting. For a property inside the high-risk area, the lender requires flood insurance, and that premium becomes part of your monthly payment. I explain how to price it in before you make an offer in buying a home in a flood zone.
Hail and homeowners insurance
The National Weather Service in Sioux Falls recorded severe hail and strong winds across the Sioux Falls area on September 1, 2026. On a homeowners policy here, the roof's age and how the policy pays on a roof claim are what move the premium. So please get a homeowners quote early for any home you are serious about, and ask the agent about both of those. That premium is part of the payment I qualify you on, and so are the dues if the home is in a community with a homeowners association. The association's own resale documents are the place to read those dues and its rules, so please ask for them early.
Property taxes, insurance and the monthly payment on a Sioux Falls home
In August 2026, the median sales price in the city of Sioux Falls was $330,000, according to the REALTOR Association of the Sioux Empire figures reported by SiouxFalls.Business. The same figures put supply at 3.7 months, which means the homes listed for sale would take about 3.7 months to sell at that month's pace. The same report counted 291 closed sales in the city that month, which is few enough that the median moves from one month to the next.
The conforming limit is the largest loan Fannie Mae and Freddie Mac will buy, and a loan above it is a jumbo loan. None of the four counties here is a high-cost county, where the limits run higher. So the 2026 conforming and FHA limits in the box below this article are the national baseline figures, and the same limits apply in Minnehaha, Lincoln, Turner and McCook. The page on conforming versus jumbo loans explains what changes when a loan crosses that limit.
If you work for Sanford or Avera and part of your pay is shift differential, the extra pay for nights and weekends, please tell me early so we document it the right way from the start. The same goes for on-call pay, overtime or a contract. If you are buying as a veteran, how VA loans work in South Dakota covers entitlement, the amount VA guarantees on your behalf. It also covers the state's disabled veteran exemption, which ends at the seller's closing and starts again only when you file.
Taxes, insurance and any association dues are part of the monthly payment I qualify you on, so the levies, the classification and the insurance above all feed into that number. Pre-approval in South Dakota covers what the letter is based on, and escrow accounts explains how the taxes and insurance get collected with the payment. If you already own a home here, refinancing in South Dakota covers how the title insurance premium and the transfer fee work when you refinance.
You can run your numbers for a Sioux Falls area purchase whenever you're ready: rates for your scenario and South Dakota closing costs, with no credit pull and no account. Choose the option that works best for you, and the application opens from there.
Nothing here is a loan approval, a denial or a commitment to lend, and it is not tax advice. The classification and the value applied to a specific parcel are set by that county's Director of Equalization, so please confirm them with the county office.
Common questions
Which school district is a Sioux Falls home in?
A Sioux Falls address does not tell you. The Brandon Valley, Harrisburg and Tea Area districts all operate schools inside the Sioux Falls city limits, alongside the Sioux Falls School District. Each district publishes its own boundary map, and that map is the place to confirm the district for any address.
Is Sioux Falls in Minnehaha County or Lincoln County?
Both. The city is centered in Minnehaha County and has grown south across the county line into Lincoln County, where Harrisburg and Tea also are. The county the home is in decides which county levy is on its tax bill, and the county's property records show which one it is.
How do I get the owner-occupied property tax rate in South Dakota?
You file the owner-occupied classification with the county Director of Equalization by March 15. It gives you a lower levy rate rather than a dollar amount off the bill. County guides describe the test as owning and living in the home on November 1 of the prior year, so please ask the county how your closing date fits that calendar.
Does Sioux Falls charge an impact fee on new construction?
Not under that name. The city charges utility connection fees and a wastewater system capacity charge instead, which took effect January 1, 2026 and depends on the water meter size. If you are buying a newly built home, please ask the builder whether the capacity charge has already been paid for that lot.
Do I need flood insurance in Sioux Falls?
It depends on where FEMA's current effective map puts the address. The levees along the Big Sioux and Skunk Creek were certified by the Army Corps of Engineers in 2014, and the city and the Corps filed a map revision with FEMA after that. A flood insurance agent can read the current map for an exact address, and for a property inside the high-risk area the lender requires the coverage.
When will the 85th Street interchange at I-29 open?
The diverging diamond interchange connecting 85th Street between Sioux Falls and Tea began construction in November 2025. The South Dakota DOT expects it to open to traffic in fall 2026 or spring 2027, with the whole project complete in November 2027.
Who pays the real estate transfer fee in South Dakota?
The seller does, under state law. The fee is calculated on the sale price and paid by the person transferring the property, so it is not part of your cash to close.
2026 loan limits, one-unit home
| County | FHA | Conforming |
|---|---|---|
| Minnehaha County | $541,287 | $832,750 |
| Lincoln County | $541,287 | $832,750 |
| Turner County | $541,287 | $832,750 |
| Mccook County | $541,287 | $832,750 |
Source: HUD Mortgagee Letter 2025-23; FHFA, Nov 25 2025. HUD · FHFA
Local facts on this page checked October 12, 2026.
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Jeff Moran, NMLS #483943, licensed to originate in South Dakota through C2 Financial Corporation.