Homeownership Program

Homeownership Program

When can I Apply?

Our Habitat affiliate holds an annual application opportunity that is open for one month. The next application round will be October 2024. If you’re considering homeownership through Habitat, we encourage you to explore this page and check back here for updates!

How Can I Learn More?

Watch this video to assess your readiness for homeownership through Habitat.

Basic Qualifications

  • Applicants must be a U.S. citizen or permanent legal resident
  • Applicants must be living or working within the Greater Sioux Falls area (Minnehaha, Lincoln or Turner County) for the past 12 months
  • Applicants must meet income, credit and debt guidelines
  • Applicants must have availability to complete construction sweat equity and homebuyer education

2024 Income Guidelines for Homeownership Program

Household Size
(# of adults and children)
Minimum Income for Applicant(s)29,60033,80038,05042,25045,65049,05052,40055,800
Maximum Income for Household51,75059,10066,50073,90079,85085,75091,65097,550
For households larger than 8 people, contact Habitat for income limits.

Benefits of Habitat Homeownership

  • Own your home
  • Energy efficient
  • New appliances
  • Low closing costs
  • Affordable house payment
  • Homebuyer education and training

When you partner with Habitat, your options may include building a new home or rehabilitating an existing home within the local community. We have helped hundreds of homebuyers and their families achieve homeownership since our first home dedication in 1991.

Home Locations

We are currently building homes in these two Sioux Falls locations:

  • Millard Acres offers 2-bedroom and 4-bedroom twin homes. A home tour of a 4-bedroom home is posted below.
  • Granite Valley offers single-family lots where we are building 4-bedroom homes in partnership with CTE Academy and Southeast Technical College.

We will be building homes in Millard Acres and Granite Valley in 2024 and 2025. Additional openings in other neighborhoods may become available if other properties are acquired. We can only build on lots owned by Habitat. We are continually looking for affordable land and potential rehab homes to purchase so we can serve more families within our geographical service area of Minnehaha, Lincoln, and Turner counties.

Depending on the type of property you qualify for and the timing of your approval, homebuyers may be able to make some design choices, such as color of cabinets, countertop, and exterior paint. All homes are energy efficient and include brand new Whirlpool appliances!

Take a virtual tour of a four-bedroom, slab on grade twin home in Millard Acres!

What if I am not eligible?

If Habitat is not the right fit for you, or you do not meet our general eligibility criteria, check out the Other Community Resources link below.  There are many resources and programs available within the Greater Sioux Falls area to help you find your way into affordable housing. Our short list is not exhaustive, but it provides some next steps and options for you to consider.

Contact Information

If you have any questions, please contact Lisa Ross, Homeowner Services Coordinator: apply@siouxfallshabitat.org or 605-274-6290.

Equal Housing Opportunity