South Dakota USDA Loans
My state-specific information
Eligibility Requirements – South Dakota
Buying a home in South Dakota has never been easier than with a loan from the USDA. USDA loans require no down payment, no qualifying assets, and there’s no maximum loan amount. Plus, fixed interest rates mean that payments won’t increase. For a family of 1-4 in South Dakota, the average household income limit is about $119,850 a year, and for families of 5 or more the limit can be as high as $172,400 a year. To find out more, fill out the form above and get in touch with one of our USDA loan specialists.
This map shows the areas of South Dakota eligible for USDA loans. For more information on qualifying areas, head to the USDA property eligibility screen.
South Dakota USDA Income Limits (Moderate Income – Guaranteed Loan)
Most South Dakota counties follow the standard USDA income limit, with select metro areas offering higher limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Limit (Most SD Counties) | $119,850 | $158,250 |
| Sioux Falls, SD HUD Metro FMR Area | $129,000 | $170,300 |
| Brookings County, SD | $130,300 | $172,000 |
| Stanley County, SD | $130,600 | $172,400 |
| Brown County, SD | $121,200 | $160,000 |
| Marshall County, SD | $121,700 | $160,650 |
| Hanson County, SD | $122,850 | $162,200 |
| Moody County, SD (Higher Limit Area) | $120,950 | $159,700 |
Important: USDA income limits are based on total household income — including income from all adult household members — not just the borrower(s).
If your total household income is within your area’s limit and the home is located in a USDA-eligible area, you may qualify for a USDA Guaranteed loan with 100% financing (no down payment required).
Check Your South Dakota USDA Eligibility
USDA loans are available throughout eligible rural and suburban communities across South Dakota. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-approved location
- Provide a fast payment estimate
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, property location, and USDA program guidelines.
- NO down payment – Finance 100% of your home
- NO maximum loan amount in South Dakota.
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your South Dakota USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – South Dakota
