USDA Direct Loans are low income loans that can be used to purchase homes in rural areas of South Dakota. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI).

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)

All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

Direct Loans are less common in South Dakota than USDA Guaranteed Loans, which accommodate applicants that make more money. Like Guaranteed USDA Loans, Direct Loans are a mortgage program with no down payment. The maximum yearly income limits that applicants are permitted to make for Direct Loan approval are listed below.

South Dakota USDA Direct Loan Maximum Income Limits

Area
1 Person
2 Person
3 Person
4 Person
5 Person
Aurora County, SD $56,500$56,500 $56,500$56,500 $74,600
Beadle County, SD $56,500$56,500 $56,500$56,500 $74,600
Bennett County, SD $56,500$56,500 $56,500$56,500 $74,600
Bon Homme County, SD $56,500$56,500 $56,500$56,500 $74,600
Brookings County, SD $60,800$60,800 $60,800$60,800 $80,250
Brown County, SD $59,200$59,200 $59,200$59,200 $78,150
Brule County, SD $56,500$56,500 $56,500$56,500 $74,600
Buffalo County, SD $56,500$56,500 $56,500$56,500 $74,600
Butte County, SD $56,500$56,500 $56,500$56,500 $74,600
Campbell County, SD $56,500$56,500 $56,500$56,500 $74,600
Charles Mix County, SD $56,500$56,500 $56,500$56,500 $74,600
Clark County, SD $57,450$57,450 $57,450$57,450 $75,850
Clay County, SD $56,500$56,500 $56,500$56,500 $74,600
Codington County, SD $59,100$59,100 $59,100$59,100 $78,000
Corson County, SD $56,500$56,500 $56,500$56,500 $74,600
Custer County, SD HUD Metro FMR Area $57,850$57,850 $57,850$57,850 $76,350
Davison County, SD $56,500$56,500 $56,500$56,500 $74,600
Day County, SD $56,500$56,500 $56,500$56,500 $74,600
Deuel County, SD $58,950$58,950 $58,950$58,950 $77,800
Dewey County, SD $56,500$56,500 $56,500$56,500 $74,600
Douglas County, SD $56,500$56,500 $56,500$56,500 $74,600
Edmunds County, SD $64,300$64,300 $64,300$64,300 $84,900
Fall River County, SD $56,500$56,500 $56,500$56,500 $74,600
Faulk County, SD $61,750$61,750 $61,750$61,750 $81,500
Grant County, SD $56,500$56,500 $56,500$56,500 $74,600
Gregory County, SD $56,500$56,500 $56,500$56,500 $74,600
Haakon County, SD $56,500$56,500 $56,500$56,500 $74,600
Hamlin County, SD $56,500$56,500 $56,500$56,500 $74,600
Hand County, SD $60,900$60,900 $60,900$60,900 $80,400
Hanson County, SD $61,300$61,300 $61,300$61,300 $80,900
Harding County, SD $56,500$56,500 $56,500$56,500 $74,600
Hughes County, SD $73,850$73,850 $73,850$73,850 $97,500
Hutchinson County, SD $56,500$56,500 $56,500$56,500 $74,600
Hyde County, SD $63,050$63,050 $63,050$63,050 $83,250
Jackson County, SD $56,500$56,500 $56,500$56,500 $74,600
Jerauld County, SD $56,500$56,500 $56,500$56,500 $74,600
Jones County, SD $56,500$56,500 $56,500$56,500 $74,600
Kingsbury County, SD $56,500$56,500 $56,500$56,500 $74,600
Lake County, SD $63,350$63,350 $63,350$63,350 $83,600
Lawrence County, SD $56,500$56,500 $56,500$56,500 $74,600
Lyman County, SD $56,500$56,500 $56,500$56,500 $74,600
Marshall County, SD $57,500$57,500 $57,500$57,500 $75,900
McPherson County, SD $56,500$56,500 $56,500$56,500 $74,600
Meade County, SD HUD Metro FMR Area $56,500$56,500 $56,500$56,500 $74,600
Mellette County, SD $56,500$56,500 $56,500$56,500 $74,600
Miner County, SD $56,500$56,500 $56,500$56,500 $74,600
Moody County, SD $56,500$56,500 $56,500$56,500 $74,600
Oglala Lakota County $56,500$56,500 $56,500$56,500 $74,600
Perkins County, SD $56,500$56,500 $56,500$56,500 $74,600
Potter County, SD $56,500$56,500 $56,500$56,500 $74,600
Rapid City, SD HUD Metro FMR Area $56,500$56,500 $56,500$56,500 $74,600
Roberts County, SD $56,500$56,500 $56,500$56,500 $74,600
Sanborn County, SD $56,500$56,500 $56,500$56,500 $74,600
Sioux Falls, SD MSA $68,950$68,950 $68,950$68,950 $91,000
Spink County, SD $56,500$56,500 $56,500$56,500 $74,600
Stanley County, SD $59,200$59,200 $59,200$59,200 $78,150
Sully County, SD $65,600$65,600 $65,600$65,600 $86,600
Todd County, SD $56,500$56,500 $56,500$56,500 $74,600
Tripp County, SD $56,500$56,500 $56,500$56,500 $74,600
Union County, SD SEA $55,600$55,600 $55,600$55,600 $73,400
Walworth County, SD $56,500$56,500 $56,500$56,500 $74,600
Yankton County, SD $56,900$56,900 $56,900$56,900 $75,100
Ziebach County, SD $56,500$56,500 $56,500$56,500 $74,600

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Maximum Applicant Income
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