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$86,850$114,650
Beadle County, SD$86,850$114,650
Bennett County, SD$86,850$114,650
Bon Homme County, SD$86,850$114,650
Brookings County, SD$87,400$115,350
Brown County, SD$86,850$114,650
Brule County, SD$86,850$114,650
Buffalo County, SD$86,850$114,650
Butte County, SD$86,850$114,650
Campbell County, SD$86,850$114,650
Charles Mix County, SD$86,850$114,650
Clark County, SD$86,850$114,650
Clay County, SD$86,850$114,650
Codington County, SD$86,850$114,650
Corson County, SD$86,850$114,650
Custer County, SD HUD Metro FMR Area$86,850$114,650
Davison County, SD$86,850$114,650
Day County, SD$86,850$114,650
Deuel County, SD$86,850$114,650
Dewey County, SD$86,850$114,650
Douglas County, SD$86,850$114,650
Edmunds County, SD$92,450$122,050
Fall River County, SD$86,850$114,650
Faulk County, SD$88,750$117,150
Grant County, SD$86,850$114,650
Gregory County, SD$86,850$114,650
Haakon County, SD$86,850$114,650
Hamlin County, SD$86,850$114,650
Hand County, SD$87,550$115,550
Hanson County, SD$88,100$116,300
Harding County, SD$86,850$114,650
Hughes County, SD$106,150$140,100
Hutchinson County, SD$86,850$114,650
Hyde County, SD$90,650$119,650
Jackson County, SD$86,850$114,650
Jerauld County, SD$86,850$114,650
Jones County, SD$86,850$114,650
Kingsbury County, SD$86,850$114,650
Lake County, SD$91,050$120,200
Lawrence County, SD$86,850$114,650
Lyman County, SD$86,850$114,650
Marshall County, SD$86,850$114,650
McPherson County, SD$86,850$114,650
Meade County, SD HUD Metro FMR Area$86,850$114,650
Mellette County, SD$86,850$114,650
Miner County, SD$86,850$114,650
Moody County, SD$86,850$114,650
Oglala Lakota County$86,850$114,650
Perkins County, SD$86,850$114,650
Potter County, SD$86,850$114,650
Rapid City, SD HUD Metro FMR Area$86,850$114,650
Roberts County, SD$86,850$114,650
Sanborn County, SD$86,850$114,650
Sioux Falls, SD MSA$99,100$130,800
Spink County, SD$86,850$114,650
Stanley County, SD$86,850$114,650
Sully County, SD$94,300$124,500
Todd County, SD$86,850$114,650
Tripp County, SD$86,850$114,650
Union County, SD SEA$86,850$114,650
Walworth County, SD$86,850$114,650
Yankton County, SD$86,850$114,650
Ziebach County, SD$86,850$114,650
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