USDA Guaranteed Loans are the most popular rural development mortgage program in South Dakota.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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This approach means that the maximum loan limits for Guaranteed Loans are variable, with South Dakota USDA income limits playing a major role.  Guaranteed Loan income limits across SD are listed below.

South Dakota USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Aurora County, SD$75,650$99,850
Beadle County, SD$75,650$99,850
Bennett County, SD$75,650$99,850
Bon Homme County, SD$75,650$99,850
Brookings County, SD$77,400$102,150
Brown County, SD$76,900$101,500
Brule County, SD$75,650$99,850
Buffalo County, SD$75,650$99,850
Butte County, SD$75,650$99,850
Campbell County, SD$75,650$99,850
Charles Mix County, SD$75,650$99,850
Clark County, SD$76,850$101,450
Clay County, SD$79,950$105,550
Codington County, SD$75,650$99,850
Corson County, SD$75,650$99,850
Custer County, SD HUD Metro FMR Area$75,650$99,850
Davison County, SD$75,650$99,850
Day County, SD$75,650$99,850
Deuel County, SD$76,050$100,400
Dewey County, SD$75,650$99,850
Douglas County, SD$75,650$99,850
Edmunds County, SD$76,900$101,500
Fall River County, SD$75,650$99,850
Faulk County, SD$75,650$99,850
Grant County, SD$75,650$99,850
Gregory County, SD$75,650$99,850
Haakon County, SD$79,350$104,750
Hamlin County, SD$75,650$99,850
Hand County, SD$75,650$99,850
Hanson County, SD$75,650$99,850
Harding County, SD$75,650$99,850
Hughes County, SD$94,450$124,650
Hutchinson County, SD$75,650$99,850
Hyde County, SD$76,100$100,450
Jackson County, SD$75,650$99,850
Jerauld County, SD$75,650$99,850
Jones County, SD$75,650$99,850
Kingsbury County, SD$75,650$99,850
Lake County, SD$78,650$103,800
Lawrence County, SD$78,350$103,400
Lyman County, SD$75,650$99,850
Marshall County, SD$75,650$99,850
McPherson County, SD$75,650$99,850
Meade County, SD HUD Metro FMR Area$75,650$99,850
Mellette County, SD$75,650$99,850
Miner County, SD$75,650$99,850
Moody County, SD$76,250$100,650
Perkins County, SD$75,650$99,850
Potter County, SD$75,650$99,850
Rapid City, SD HUD Metro FMR Area$75,650$99,850
Roberts County, SD$75,650$99,850
Sanborn County, SD$75,650$99,850
Shannon County, SD$75,650$99,850
Sioux Falls, SD MSA$83,000$109,550
Spink County, SD$75,650$99,850
Stanley County, SD$75,650$99,850
Sully County, SD$81,850$108,050
Todd County, SD$75,650$99,850
Tripp County, SD$75,650$99,850
Union County, SD SEA$75,750$100,000
Walworth County, SD$75,650$99,850
Yankton County, SD$81,800$108,000
Ziebach County, SD$75,650$99,850
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