Sexual dimorphism is not present, but the adult male weighs slightly more than the female at compared to . The tail has small scales and is covered in hair which distinguishes it from the larger scales of the closely related
hispid cotton rat (
Sigmodon hispidus). Another characteristic distinguishing it from
S. hispidus is a short and broad rather than elongated skull. The dentition is marked by well-developed maxillary incisors and high-crowned molars. The fur is tawny on the belly (the origin of the species' common name), and black and tan speckled on the back. The fur body contains three types of hair: guard-awl hair, guard hair, and under hair. The guard hair is the longest with the guard-awl and under hair following in decreasing length. == Distribution and habitat ==