South Dakota Section 538 income limits for FY2026
A Section 538 tenant can earn up to 115% of area median income at move-in. In South Dakota that limit for a family of four runs from $46,350 in Todd County, SD to $137,750 in Stanley County, SD. Limits took effect July 13, 2026.
| Area | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Custer County, SD part of the Rapid City, SD metro area | 83,100 | 94,950 | 106,850 | 118,700 | 128,200 | 137,700 | 147,200 | 156,700 |
| Meade County, SD part of the Rapid City, SD metro area | 80,350 | 91,800 | 103,300 | 114,750 | 123,950 | 133,100 | 142,300 | 151,450 |
| Rapid City, SD metro area | 81,550 | 93,200 | 104,850 | 116,500 | 125,800 | 135,150 | 144,450 | 153,800 |
| Sioux City, IA-NE-SD metro area | 78,800 | 90,100 | 101,350 | 112,600 | 121,600 | 130,600 | 139,600 | 148,650 |
| Sioux Falls, SD part of the Sioux Falls, SD-MN metro area | 95,550 | 109,200 | 122,850 | 136,500 | 147,400 | 158,350 | 169,250 | 180,200 |
| Aurora County, SD | 78,800 | 90,100 | 101,350 | 112,600 | 121,600 | 130,600 | 139,600 | 148,650 |
| Beadle County, SD | 74,050 | 84,650 | 95,200 | 105,800 | 114,250 | 122,750 | 131,200 | 139,650 |
| Bennett County, SD | 48,500 | 55,400 | 62,350 | 69,250 | 74,800 | 80,350 | 85,850 | 91,400 |
| Bon Homme County, SD | 74,300 | 84,900 | 95,550 | 106,150 | 114,650 | 123,150 | 131,650 | 140,100 |
| Brookings County, SD | 91,200 | 104,250 | 117,250 | 130,300 | 140,700 | 151,150 | 161,550 | 172,000 |
| Brown County, SD | 85,650 | 97,900 | 110,100 | 122,350 | 132,150 | 141,950 | 151,700 | 161,500 |
| Brule County, SD | 80,300 | 91,850 | 103,300 | 114,800 | 123,950 | 133,150 | 142,300 | 151,550 |
| Buffalo County, SD | 44,650 | 51,000 | 57,450 | 63,850 | 68,900 | 74,000 | 79,100 | 84,250 |
| Butte County, SD | 76,650 | 87,550 | 98,550 | 109,500 | 118,300 | 127,050 | 135,750 | 144,550 |
| Campbell County, SD | 86,750 | 99,150 | 111,550 | 123,950 | 133,850 | 143,800 | 153,700 | 163,600 |
| Charles Mix County, SD | 67,950 | 77,650 | 87,350 | 97,100 | 104,850 | 112,600 | 120,400 | 128,150 |
| Clark County, SD | 70,550 | 80,600 | 90,700 | 100,750 | 108,800 | 116,850 | 124,950 | 133,000 |
| Clay County, SD | 84,600 | 96,700 | 108,750 | 120,850 | 130,500 | 140,200 | 149,850 | 159,500 |
| Codington County, SD | 78,500 | 89,700 | 100,950 | 112,150 | 121,100 | 130,100 | 139,050 | 148,050 |
| Corson County, SD | 47,550 | 54,300 | 61,150 | 67,900 | 73,350 | 78,800 | 84,200 | 89,650 |
| Davison County, SD | 79,700 | 91,100 | 102,450 | 113,850 | 122,950 | 132,050 | 141,150 | 150,300 |
| Day County, SD | 76,950 | 87,950 | 98,950 | 109,950 | 118,750 | 127,550 | 136,350 | 145,150 |
| Deuel County, SD | 81,500 | 93,100 | 104,750 | 116,400 | 125,700 | 135,000 | 144,350 | 153,650 |
| Dewey County, SD | 54,450 | 62,200 | 70,000 | 77,750 | 83,950 | 90,200 | 96,450 | 102,650 |
| Douglas County, SD | 88,300 | 100,900 | 113,550 | 126,150 | 136,250 | 146,350 | 156,450 | 166,500 |
| Edmunds County, SD | 79,200 | 90,500 | 101,850 | 113,150 | 122,200 | 131,250 | 140,300 | 149,350 |
| Fall River County, SD | 72,050 | 82,300 | 92,650 | 102,950 | 111,150 | 119,400 | 127,650 | 135,850 |
| Faulk County, SD | 84,050 | 96,050 | 108,050 | 120,050 | 129,650 | 139,250 | 148,850 | 158,450 |
| Grant County, SD | 81,850 | 93,550 | 105,250 | 116,950 | 126,300 | 135,650 | 145,000 | 154,350 |
| Gregory County, SD | 73,400 | 83,900 | 94,350 | 104,850 | 113,300 | 121,650 | 130,050 | 138,400 |
| Haakon County, SD | 70,450 | 80,500 | 90,600 | 100,650 | 108,700 | 116,750 | 124,800 | 132,850 |
| Hamlin County, SD | 80,900 | 92,500 | 104,050 | 115,600 | 124,850 | 134,100 | 143,350 | 152,600 |
| Hand County, SD | 91,300 | 104,300 | 117,350 | 130,400 | 140,850 | 151,250 | 161,700 | 172,150 |
| Hanson County, SD | 85,950 | 98,250 | 110,500 | 122,800 | 132,600 | 142,450 | 152,250 | 162,100 |
| Harding County, SD | 74,800 | 85,500 | 96,150 | 106,850 | 115,400 | 123,950 | 132,500 | 141,050 |
| Hughes County, SD | 88,500 | 101,100 | 113,750 | 126,400 | 136,500 | 146,600 | 156,750 | 166,850 |
| Hutchinson County, SD | 85,450 | 97,700 | 109,850 | 122,100 | 131,850 | 141,650 | 151,400 | 161,200 |
| Hyde County, SD | 85,650 | 97,900 | 110,150 | 122,400 | 132,200 | 142,000 | 151,800 | 161,550 |
| Jackson County, SD | 34,500 | 39,450 | 44,350 | 49,300 | 53,250 | 57,250 | 61,150 | 65,100 |
| Jerauld County, SD | 83,800 | 95,750 | 107,750 | 119,700 | 129,300 | 138,850 | 148,450 | 158,000 |
| Jones County, SD | 74,650 | 85,350 | 96,000 | 106,600 | 115,200 | 123,750 | 132,300 | 140,850 |
| Kingsbury County, SD | 81,600 | 93,300 | 104,950 | 116,600 | 125,950 | 135,250 | 144,600 | 153,900 |
| Lake County, SD | 82,900 | 94,750 | 106,600 | 118,450 | 127,950 | 137,400 | 146,900 | 156,350 |
| Lawrence County, SD | 78,100 | 89,250 | 100,400 | 111,550 | 120,450 | 129,400 | 138,300 | 147,250 |
| Lyman County, SD | 65,750 | 75,150 | 84,550 | 93,950 | 101,500 | 109,000 | 116,500 | 124,050 |
| Marshall County, SD | 90,350 | 103,250 | 116,150 | 129,050 | 139,350 | 149,700 | 160,000 | 170,350 |
| McPherson County, SD | 73,250 | 83,700 | 94,200 | 104,650 | 113,000 | 121,400 | 129,800 | 138,200 |
| Mellette County, SD | 46,700 | 53,350 | 60,050 | 66,700 | 72,050 | 77,350 | 82,700 | 88,050 |
| Miner County, SD | 82,100 | 93,800 | 105,550 | 117,300 | 126,700 | 136,100 | 145,450 | 154,800 |
| Moody County, SD | 84,700 | 96,800 | 108,900 | 121,000 | 130,700 | 140,350 | 150,050 | 159,700 |
| Oglala Lakota County | 34,600 | 39,550 | 44,500 | 49,450 | 53,400 | 57,350 | 61,300 | 65,250 |
| Perkins County, SD | 74,500 | 85,100 | 95,750 | 106,400 | 114,900 | 123,400 | 131,950 | 140,450 |
| Potter County, SD | 80,750 | 92,300 | 103,800 | 115,350 | 124,600 | 133,800 | 143,050 | 152,250 |
| Roberts County, SD | 68,050 | 77,750 | 87,500 | 97,200 | 105,000 | 112,750 | 120,550 | 128,300 |
| Sanborn County, SD | 78,800 | 90,100 | 101,350 | 112,600 | 121,600 | 130,600 | 139,600 | 148,650 |
| Spink County, SD | 82,200 | 93,900 | 105,650 | 117,400 | 126,800 | 136,200 | 145,600 | 154,950 |
| Stanley County, SD | 96,450 | 110,200 | 124,000 | 137,750 | 148,750 | 159,800 | 170,800 | 181,850 |
| Sully County, SD | 83,950 | 95,950 | 107,950 | 119,950 | 129,550 | 139,150 | 148,750 | 158,350 |
| Todd County, SD | 32,350 | 37,100 | 41,700 | 46,350 | 49,950 | 53,700 | 57,450 | 61,200 |
| Tripp County, SD | 64,400 | 73,650 | 82,850 | 92,050 | 99,450 | 106,800 | 114,200 | 121,550 |
| Walworth County, SD | 71,150 | 81,300 | 91,500 | 101,650 | 109,800 | 117,900 | 126,050 | 134,200 |
| Yankton County, SD | 84,550 | 96,600 | 108,700 | 120,750 | 130,400 | 140,050 | 149,750 | 159,400 |
| Ziebach County, SD | 40,750 | 46,550 | 52,400 | 58,200 | 62,850 | 67,500 | 72,150 | 76,800 |
From income limit to rent cap
Two rent rules apply under 7 CFR 3565.203. Each unit's rent, counting tenant-paid utilities, can't exceed 30% of 115% of area median income adjusted for family size, which is 30% of the figure in the table for the household size you assume, divided by 12. And across the whole project, the average rent can't exceed 30% of 100% of area median income each year.
Worked example for Custer County, SD: the four-person limit is $118,700, so the per-unit cap for a unit sized for four people is $2,967 a month including utilities. The project-average cap uses 100% of median instead of 115%, roughly $2,580 a month at the four-person size. Which household size applies to each bedroom count is set in USDA's program handbook; confirm it with your lender.
Income is tested only at move-in. A tenant whose income later rises above the limit can stay (7 CFR 3565.202(a)). Want to see what those rents support in debt? Run them through the 538 loan sizer.
All 63 South Dakota areas and every other state in one file: 538 income limits download.