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Down payment assistance income limits in South Dakota

20 down payment assistance programs in South Dakota publish an income limit, a purchase price cap, or both.

Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.

Area median income by county

HUD's published four-person area median income for each South Dakota county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.

HUD four-person area median income by county in South Dakota
CountyPublished4-person median
Aurora2026$97,900
Beadle2026$92,000
Bennett2026$60,200
Bon Homme2026$92,300
Brookings2026$112,200
Brown2026$106,400
Brule2026$97,900
Buffalo2026$57,100
Butte2026$104,900
Campbell2026$107,800
Charles Mix2026$84,000
Clark2026$87,600
Clay2026$105,100
Codington2026$97,500
Corson2026$51,000
Custer2026$103,200
Davison2026$95,800
Day2026$95,600
Deuel2026$101,200
Dewey2026$66,400
Douglas2026$109,700
Edmunds2026$98,400
Fall River2026$95,000
Faulk2026$103,700
Grant2026$100,100
Gregory2026$93,700
Haakon2026$87,500
Hamlin2026$100,500
Hand2026$109,900
Hanson2026$101,300
Harding2026$92,900
Hughes2026$109,900
Hutchinson2026$105,600
Hyde2026$106,600
Jackson2026$94,500
Jerauld2026$104,100
Jones2026$93,600
Kingsbury2026$101,400
Lake2026$103,000
Lawrence2026$97,000
Lincoln2026$118,700
Lyman2026$87,500
Marshall2026$112,200
Mccook2026$118,700
Mcpherson2026$94,200
Meade2026$98,000
Mellette2026$58,000
Miner2026$100,500
Minnehaha2026$118,700
Moody2026$102,100
Oglala Lakota2026$35,700
Pennington2026$101,300
Perkins2026$90,000
Potter2026$98,200
Roberts2026$84,500
Sanborn2026$97,900
Spink2026$100,300
Stanley2026$119,800
Sully2026$104,300
Todd2026$42,500
Tripp2026$79,500
Turner2026$118,700
Union2026$97,900
Walworth2026$87,100
Yankton2026$102,700
Ziebach2026$50,600

Published limits by program

Published income limits and purchase price caps by program in South Dakota
ProgramIncome limitPrice cap
CDFI Deferred DPCCRapid City · Pennington$123,300NWDHR DPCC income range $63,000 (low end, smaller households) up to $123,300 (8p, broader AMI eligibility). Limits set per HUD AMI / NWDHR program guidelines.$385,000
Closing Cost AssistanceAberdeen · Brown80% of area median income80% AMI by county per HUD income limits. Per seed: $52,600 (1p) up to $119,950 (8p). Limits vary by county.$385,000
Dakota Land Trust ProgramRapid City · Pennington80% of area median incomeHousehold income below 80% AMI: 1-person <$39,550; 2-person <$45,200; 3-person <$50,850; 4-person <$56,500—
Down Payment Closing Costs AssistanceSisseton · Statewide80% of area median income80% AMI by county per HUD income limits. Per seed: $50,350 (1p) up to $112,500 (8p). Limits vary by county; rural counties have lower limits.$385,000
First-Time Homebuyer ProgramStatewide · Statewide$130,640SDHDA First-Time Homebuyer income limits per IRS Section 143 (Mortgage Revenue Bond). Non-targeted: ~$102,200 (1-2p) / ~$117,530 (3+p). Targeted: ~$122,640 (1-2p) / ~$130,640 (3+p). Limits vary by county. See sdhda.org 'Income & Purchase Price Limits'.$410,000
Fixed Rate Plus Downpayment AssistancePierre · StatewideSee programUses SDHDA First-Time/Repeat Homebuyer income limits (eff. 4/30/2025) by county and family size. Examples (2-or-less/3-or-more): Minnehaha/Lincoln $112,200/$129,030; Brown $105,400/$121,210; Pennington & all other $102,200/$117,530; Brookings $113,300/$130,295. Repeat/targeted: $122,640/$143,080.$410,000
Four Bands Community Fund Home Mortgage and Section 502 Loan ProgramEagle Butte · Dewey$66,400Section 502 product: households of 1-4 max annual income $66,400; households of 5-8 up to $87,650. (Home Mortgage Loan limits not stated.)—
GROW South Dakota Down Payment & Closing Cost Assistance (DPCC)Sisseton · Statewide80% of area median income—
HOF Deferred DPCCRapid City · Pennington$123,300NWDHR DPCC income range $63,000-$123,300 by household size. Same as other DPCC variants.$385,000
Legacy DPCCRapid City · Pennington$123,300NWDHR DPCC income range $63,000-$123,300 by household size.$385,000
Mazaska Owecaso Otipi Financial Home Purchase Loan ProgramPine Ridge · Oglala LakotaSee programIncome/eligibility terms referenced on the services page but specific limits not published online; intake form required.—
Neighbor Next Door DPCCRapid City · Pennington$123,300NWDHR DPCC income range $63,000-$123,300 by household size.$385,000
NeighborWorks Dakota Home Resources Down Payment and Closing Costs Loan ProgramDeadwood · Lawrence115% of area median incomeEligibility by household income and family size: up to 115% AMI for the county, or up to 150% AMI for first responders, teachers, firefighters, and police.—
NLS DPCCRapid City · Pennington$123,300NWDHR DPCC income range $63,000-$123,300 by household size.$385,000
Public Safety Down Payment Assistance ProgramSioux Falls · MinnehahaSee program$340,000
Repeat Homebuyer ProgramStatewide · Statewide$143,080SDHDA Repeat Homebuyer income limits: $122,640 (1-2p) / $143,080 (3+p) by county. Higher than First-Time Homebuyer Program limits.$460,000
SD Housing Tax Credit (MCC)Pierre · StatewideSee programUses SDHDA First-Time Homebuyer income limits (eff. 4/30/2025) by county & family size; targeted areas $122,640/$143,080.$410,000
South Dakota Native Homeownership Coalition Down Payment Assistance ProgramKyle · Oglala Lakota115% of area median incomeHousehold income may not exceed 115% of Area Median Income (AMI).—
USDA Section 502 Direct Single Family Housing Loan (South Dakota)Huron · BeadleSee programAdjusted household income at/below the applicable area low-income limit (limits vary by SD county and household size per USDA income-limit tables).—
Village on Monroe Homebuyer GrantRapid City · Pennington115% of area median incomeHousehold income below 115% AMI: 1-person <$56,925; 2-person <$64,975; 3-person <$73,140; 4-person <$81,190—

Questions, answered

What are the income limits for down payment assistance in South Dakota?

20 down payment assistance programs in South Dakota publish an income limit, a purchase price cap, or both. 7 express the limit as a percentage of the area median income for the county where the home is, and 12 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

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