Searching for a home in South Dakota? Try exploring the advantages of the Rural Development Loan Program. With flexible credit guidelines, fixed interest rates and no down payment, this home buying option is helping South Dakota residents all over the state turn their dreams of homeownership into a reality.

Backed by the United States Department of Agriculture (USDA), these No Money Down Loans offer:

  • 100% Financing Up to the Appraised Value of the South Dakota Property
  • New and Existing Homes are Eligible
  • No Maximum Loan Amount
  • No Money Down and Low Interest Rates

South Dakota Areas that Qualify for a USDA Loan

USDA Loans are not for farmers. Sure they are designed to help build many of South Dakota’s smaller rural areas, but this should not imply that they have anything to do with agriculture. Instead from first time home buyers to residents living right outside of a major city, all types of people and property can qualify for these government-backed loans.

When searching for homes that are USDA Loan Eligible, look for property that is:

  • Located outside of the city limits
  • Located in a community of 20,000 residents or less
From condos to single family residences to everything in between, a South Dakota USDA Loan can be used to purchase all types of homes. For more detailed information on whether the property you are considering is eligible for USDA home loan financing, fill out the Application on this page, or call one of our certified USDA loan agents at 1-866-854-4242 and find out if you’re eligible.

South Dakota’s USDA Loan Income Limits by County

While Consumer Real Estate Finance Co. is here to assist you with all your questions and guide you through the application process, you should be aware that there are a few eligibility restrictions. These include a credit evaluation as well as a maximum income limit.

STATE:SOUTH DAKOTA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Rapid City SD HUD Metro FMR Area VERY LOW INCOME 22400 25600 28800 32000 34600 37150 39700 42250
LOW INCOME 35850 40950 46100 51200 55300 59400 63500 67600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sioux Falls SD MSA VERY LOW INCOME 25300 28900 32500 36100 39000 41900 44800 47700
LOW INCOME 40450 46200 52000 57750 62350 67000 71600 76250
MOD.INC-GUAR.LOAN 83000 83000 83000 83000 109550 109550 109550 109550
Aurora County SD VERY LOW INCOME 21650 24750 27850 30900 33400 35850 38350 40800
LOW INCOME 34600 39550 44500 49450 53400 57350 61300 65250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Beadle County SD VERY LOW INCOME 21350 24400 27450 30450 32900 35350 37800 40200
LOW INCOME 34100 38950 43850 48700 52600 56500 60400 64300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bennett County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bon Homme County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Brookings County SD VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 77400 77400 77400 77400 102150 102150 102150 102150
Brown County SD VERY LOW INCOME 22550 25800 29000 32200 34800 37400 39950 42550
LOW INCOME 36050 41200 46350 51500 55600 59750 63850 68000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Brule County SD VERY LOW INCOME 21800 24900 28000 31100 33600 36100 38600 41100
LOW INCOME 34850 39800 44800 49750 53750 57700 61700 65650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Buffalo County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Butte County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Campbell County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Charles Mix County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clark County SD VERY LOW INCOME 21150 24200 27200 30200 32650 35050 37450 39900
LOW INCOME 33800 38650 43450 48300 52150 56050 59900 63750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clay County SD VERY LOW INCOME 23000 26250 29550 32800 35450 38050 40700 43300
LOW INCOME 36750 42000 47250 52500 56700 60900 65100 69300
MOD.INC-GUAR.LOAN 75450 75450 75450 75450 99600 99600 99600 99600
Codington County SD VERY LOW INCOME 22500 25700 28900 32100 34700 37250 39850 42400
LOW INCOME 35950 41100 46200 51350 55450 59550 63650 67800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Corson County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Custer County SD VERY LOW INCOME 21700 24800 27900 30950 33450 35950 38400 40900
LOW INCOME 34650 39600 44550 49500 53450 57400 61400 65350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Davison County SD VERY LOW INCOME 21700 24800 27900 30950 33450 35950 38400 40900
LOW INCOME 34650 39600 44550 49500 53450 57400 61400 65350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Day County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Deuel County SD VERY LOW INCOME 21300 24350 27400 30400 32850 35300 37700 40150
LOW INCOME 34050 38900 43800 48650 52550 56450 60350 64200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Dewey County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Douglas County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Edmunds County SD VERY LOW INCOME 21600 24700 27800 30850 33350 35800 38300 40750
LOW INCOME 34550 39500 44400 49350 53300 57250 61200 65150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Fall River CountySD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Faulk County SD VERY LOW INCOME 20900 23850 26850 29800 32200 34600 37000 39350
LOW INCOME 33400 38150 42950 47700 51500 55350 59150 62950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Grant County SD VERY LOW INCOME 21250 24300 27350 30350 32800 35250 37650 40100
LOW INCOME 34000 38850 43700 48550 52450 56300 60200 64100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Gregory County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Haakon County SD VERY LOW INCOME 22850 26100 29350 32600 35250 37850 40450 43050
LOW INCOME 36500 41700 46950 52150 56300 60500 64650 68850
MOD.INC-GUAR.LOAN 74950 74950 74950 74950 98950 98950 98950 98950
Hamlin County SD VERY LOW INCOME 21450 24500 27550 30600 33050 35500 37950 40400
LOW INCOME 34250 39150 44050 48950 52850 56800 60700 64600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hand County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hanson County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Harding County SD VERY LOW INCOME 20850 23800 26800 29750 32150 34550 36900 39300
LOW INCOME 33300 38100 42850 47600 51400 55200 59000 62850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hughes County SD VERY LOW INCOME 27500 31400 35350 39250 42400 45550 48700 51850
LOW INCOME 43950 50250 56500 62800 67800 72850 77850 82900
MOD.INC-GUAR.LOAN 90300 90300 90300 90300 119200 119200 119200 119200
Hutchinson CountySD VERY LOW INCOME 21150 24150 27150 30150 32600 35000 37400 39800
LOW INCOME 33800 38600 43450 48250 52100 55950 59850 63700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hyde County SD VERY LOW INCOME 20900 23850 26850 29800 32200 34600 37000 39350
LOW INCOME 33400 38150 42950 47700 51500 55350 59150 62950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jackson County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jerauld County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jones County SD VERY LOW INCOME 22100 25250 28400 31550 34100 36600 39150 41650
LOW INCOME 35350 40400 45450 50500 54550 58600 62600 66650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Kingsbury County SD VERY LOW INCOME 21950 25050 28200 31300 33850 36350 38850 41350
LOW INCOME 35050 40100 45100 50100 54100 58100 62100 66150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lake County SD VERY LOW INCOME 21950 25100 28250 31350 33900 36400 38900 41400
LOW INCOME 35100 40100 45150 50150 54150 58150 62200 66200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lawrence County SD VERY LOW INCOME 23150 26450 29750 33050 35700 38350 41000 43650
LOW INCOME 37050 42300 47600 52900 57150 61350 65600 69850
MOD.INC-GUAR.LOAN 76050 76050 76050 76050 100400 100400 100400 100400
Lyman County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Marshall County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
McPherson County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mellette County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Miner County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Moody County SD VERY LOW INCOME 22900 26200 29450 32700 35350 37950 40550 43200
LOW INCOME 36600 41850 47050 52300 56500 60650 64850 69050
MOD.INC-GUAR.LOAN 75200 75200 75200 75200 99250 99250 99250 99250
Perkins County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Potter County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Roberts County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sanborn County SD VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Shannon County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Spink County SD VERY LOW INCOME 22700 25950 29200 32400 35000 37600 40200 42800
LOW INCOME 36300 41500 46650 51850 56000 60150 64300 68450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Stanley County SD VERY LOW INCOME 22450 25650 28850 32050 34650 37200 39750 42350
LOW INCOME 35900 41050 46150 51300 55400 59500 63600 67700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sully County SD VERY LOW INCOME 22600 25800 29050 32250 34850 37450 40000 42600
LOW INCOME 36100 41300 46450 51600 55750 59850 64000 68100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Todd County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tripp County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Walworth County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Yankton County SD VERY LOW INCOME 23550 26900 30250 33600 36300 39000 41700 44400
LOW INCOME 37650 43000 48400 53750 58050 62350 66650 70950
MOD.INC-GUAR.LOAN 77250 77250 77250 77250 101950 101950 101950 101950
Ziebach County SD VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

Have more questions or want to get the application process started, Consumer Real Estate Finance Co. is here to help.  Contact us today for assistance with your South Dakota USDA Home Loan.