SD Garnishment Law
South Dakota provides enhanced wage garnishment protections compared to federal law. The state limits consumer debt garnishment to 20% of disposable earnings (vs. 25% federal) and protects 40 times the state minimum wage from garnishment. South Dakota also has no state income tax, which can result in higher disposable earnings.
| State abbreviation | SD |
|---|---|
| Consumer debt limit | 20% of disposable earnings, subject to the 40x minimum wage test |
| Child support limit | 50% if supporting another family, 60% otherwise, plus 5% for arrears |
| Federal student loans | 15% administrative garnishment cap |
| State minimum wage | $11.20 |
| Minimum wage source used in calculator | South Dakota minimum wage |
| Head of household protection | No additional protection listed |
| Statute reference | South Dakota Codified Laws §21-18-51 |
South Dakota limits garnishment to 20% of disposable earnings and protects 40 times the state minimum wage. No state income tax.
Tax levy note: South Dakota has no state income tax. Federal IRS levies use their own formula.