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 USDA Eligibility restrictions. These include a credit evaluation as well as a maximum income limit.

Quick Scroll
STATE:SOUTH DAKOTA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Custer County, SD HUD Metro FMR Area
VERY LOW INCOME 22750 26000 29250 32500 35100 37700 40300 42900
Apply Now LOW INCOME 36400 41600 46800 52000 56150 60300 64500 68650
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Meade County, SD HUD Metro FMR Area
VERY LOW INCOME 22650 25900 29150 32350 34950 37550 40150 42750
Apply Now LOW INCOME 36250 41400 46600 51750 55900 60050 64150 68300
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Rapid City, SD HUD Metro FMR Area
VERY LOW INCOME 22700 25950 29200 32400 35000 37600 40200 42800
Apply Now LOW INCOME 36300 41500 46650 51850 56000 60150 64300 68450
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Union County, SD SEA
VERY LOW INCOME 22400 25600 28800 31950 34550 37100 39650 42200
Apply Now LOW INCOME 35750 40900 46000 51100 55200 59300 63350 67450
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Sioux Falls, SD MSA
VERY LOW INCOME 26900 30750 34600 38400 41500 44550 47650 50700
Apply Now LOW INCOME 43000 49150 55300 61450 66350 71300 76200 81100
MOD.INC-GUAR.LOAN 88350 88350 88350 88350 116600 116600 116600 116600
Aurora County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Beadle County, SD
VERY LOW INCOME 22350 25550 28750 31900 34500 37050 39600 42150
Apply Now LOW INCOME 35750 40850 45950 51050 55150 59200 63300 67400
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Bennett County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Bon Homme County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Brookings County, SD
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Brown County, SD
VERY LOW INCOME 24250 27700 31150 34600 37400 40150 42950 45700
Apply Now LOW INCOME 38750 44300 49800 55350 59800 64200 68650 73050
MOD.INC-GUAR.LOAN 79550 79550 79550 79550 105000 105000 105000 105000
Brule County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Buffalo County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Butte County, SD
VERY LOW INCOME 22300 25450 28650 31800 34350 36900 39450 42000
Apply Now LOW INCOME 35650 40700 45800 50900 54950 59050 63100 67200
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Campbell County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Charles Mix County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Clark County, SD
VERY LOW INCOME 24150 27600 31050 34500 37300 40050 42800 45550
Apply Now LOW INCOME 38650 44150 49700 55200 59600 64050 68450 72850
MOD.INC-GUAR.LOAN 79350 79350 79350 79350 104750 104750 104750 104750
Clay County, SD
VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
Apply Now LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 79950 79950 79950 79950 105550 105550 105550 105550
Codington County, SD
VERY LOW INCOME 23050 26350 29650 32900 35550 38200 40800 43450
Apply Now LOW INCOME 36850 42100 47400 52650 56850 61050 65300 69500
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Corson County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Davison County, SD
VERY LOW INCOME 23800 27200 30600 34000 36750 39450 42200 44900
Apply Now LOW INCOME 38100 43500 48950 54400 58750 63100 67450 71800
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Day County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Deuel County, SD
VERY LOW INCOME 23800 27200 30600 34000 36750 39450 42200 44900
Apply Now LOW INCOME 38100 43500 48950 54400 58750 63100 67450 71800
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Dewey County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Douglas County, SD
VERY LOW INCOME 22550 25750 28950 32150 34750 37300 39900 42450
Apply Now LOW INCOME 36000 41150 46300 51450 55550 59700 63800 67900
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Edmunds County, SD
VERY LOW INCOME 25050 28600 32200 35750 38650 41500 44350 47200
Apply Now LOW INCOME 40050 45750 51500 57200 61800 66350 70950 75500
MOD.INC-GUAR.LOAN 82250 82250 82250 82250 108550 108550 108550 108550
Fall River County, SD
VERY LOW INCOME 22650 25900 29150 32350 34950 37550 40150 42750
Apply Now LOW INCOME 36250 41400 46600 51750 55900 60050 64150 68300
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Faulk County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Grant County, SD
VERY LOW INCOME 22200 25350 28500 31650 34200 36750 39250 41800
Apply Now LOW INCOME 35450 40500 45600 50650 54700 58750 62800 66850
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Gregory County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Haakon County, SD
VERY LOW INCOME 24150 27600 31050 34500 37300 40050 42800 45550
Apply Now LOW INCOME 38650 44150 49700 55200 59600 64050 68450 72850
MOD.INC-GUAR.LOAN 79350 79350 79350 79350 104750 104750 104750 104750
Hamlin County, SD
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Hand County, SD
VERY LOW INCOME 22650 25900 29150 32350 34950 37550 40150 42750
Apply Now LOW INCOME 36250 41400 46600 51750 55900 60050 64150 68300
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Hanson County, SD
VERY LOW INCOME 24550 28050 31550 35050 37900 40700 43500 46300
Apply Now LOW INCOME 39250 44900 50500 56100 60600 65100 69550 74050
MOD.INC-GUAR.LOAN 80650 80650 80650 80650 106450 106450 106450 106450
Harding County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Hughes County, SD
VERY LOW INCOME 30000 34250 38550 42800 46250 49650 53100 56500
Apply Now LOW INCOME 47600 54400 61200 68000 73450 78900 84300 89750
MOD.INC-GUAR.LOAN 97750 97750 97750 97750 129050 129050 129050 129050
Hutchinson County, SD
VERY LOW INCOME 22650 25900 29150 32350 34950 37550 40150 42750
Apply Now LOW INCOME 36250 41400 46600 51750 55900 60050 64150 68300
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Hyde County, SD
VERY LOW INCOME 24800 28350 31900 35400 38250 41100 43900 46750
Apply Now LOW INCOME 39650 45300 51000 56650 61200 65700 70250 74800
MOD.INC-GUAR.LOAN 81450 81450 81450 81450 107500 107500 107500 107500
Jackson County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Jerauld County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Jones County, SD
VERY LOW INCOME 22100 25250 28400 31550 34100 36600 39150 41650
Apply Now LOW INCOME 35350 40400 45450 50500 54550 58600 62600 66650
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Kingsbury County, SD
VERY LOW INCOME 23450 26800 30150 33450 36150 38850 41500 44200
Apply Now LOW INCOME 37450 42800 48150 53500 57800 62050 66350 70600
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Lake County, SD
VERY LOW INCOME 25450 29100 32750 36350 39300 42200 45100 48000
Apply Now LOW INCOME 40700 46500 52350 58150 62800 67450 72100 76750
MOD.INC-GUAR.LOAN 83600 83600 83600 83600 110350 110350 110350 110350
Lawrence County, SD
VERY LOW INCOME 24150 27600 31050 34500 37300 40050 42800 45550
Apply Now LOW INCOME 38650 44150 49700 55200 59600 64050 68450 72850
MOD.INC-GUAR.LOAN 79350 79350 79350 79350 104750 104750 104750 104750
Lyman County, SD
VERY LOW INCOME 22650 25900 29150 32350 34950 37550 40150 42750
Apply Now LOW INCOME 36250 41400 46600 51750 55900 60050 64150 68300
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Marshall County, SD
VERY LOW INCOME 24550 28050 31550 35050 37900 40700 43500 46300
Apply Now LOW INCOME 39250 44900 50500 56100 60600 65100 69550 74050
MOD.INC-GUAR.LOAN 80650 80650 80650 80650 106450 106450 106450 106450
McPherson County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Mellette County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Miner County, SD
VERY LOW INCOME 22650 25900 29150 32350 34950 37550 40150 42750
Apply Now LOW INCOME 36250 41400 46600 51750 55900 60050 64150 68300
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Moody County, SD
VERY LOW INCOME 23250 26550 29850 33150 35850 38500 41150 43800
Apply Now LOW INCOME 37150 42450 47750 53050 57300 61550 65800 70050
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Perkins County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Potter County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Roberts County, SD
VERY LOW INCOME 22200 25350 28500 31650 34200 36750 39250 41800
Apply Now LOW INCOME 35450 40500 45600 50650 54700 58750 62800 66850
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Sanborn County, SD
VERY LOW INCOME 23000 26300 29600 32850 35500 38150 40750 43400
Apply Now LOW INCOME 36800 42050 47300 52550 56750 60950 65150 69350
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Shannon County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Spink County, SD
VERY LOW INCOME 22850 26100 29350 32600 35250 37850 40450 43050
Apply Now LOW INCOME 36500 41700 46950 52150 56300 60500 64650 68850
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Stanley County, SD
VERY LOW INCOME 23450 26800 30150 33500 36200 38900 41550 44250
Apply Now LOW INCOME 37500 42900 48250 53600 57900 62200 66450 70750
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Sully County, SD
VERY LOW INCOME 26650 30450 34250 38050 41100 44150 47200 50250
Apply Now LOW INCOME 42650 48700 54800 60900 65750 70650 75500 80400
MOD.INC-GUAR.LOAN 87550 87550 87550 87550 115550 115550 115550 115550
Todd County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Tripp County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Walworth County, SD
VERY LOW INCOME 22650 25900 29150 32350 34950 37550 40150 42750
Apply Now LOW INCOME 36250 41400 46600 51750 55900 60050 64150 68300
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Yankton County, SD
VERY LOW INCOME 24900 28450 32000 35550 38400 41250 44100 46950
Apply Now LOW INCOME 39850 45500 51200 56900 61450 66000 70550 75100
MOD.INC-GUAR.LOAN 81800 81800 81800 81800 108000 108000 108000 108000
Ziebach County, SD
VERY LOW INCOME 22050 25200 28350 31500 34050 36550 39100 41600
Apply Now LOW INCOME 35300 40300 45350 50400 54450 58450 62500 66550
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200

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.