Homeownership Program

Homeownership Program

Our 2023 construction season is in progress, and we have great things in store for 2024!

When can I Apply?

The next application round opens on October 1, 2023, and the deadline is October 31, 2023 at 6 p.m. The homeownership program is only open to applicants once a year, for a limited time. Late applications and incomplete applications cannot be considered. Please review all the information below before you apply!

How Can I Learn More?

1. Watch this video to assess your readiness for homeownership.

2. Sign up to be added to the 2023 applicant contact list. Then Habitat can include you in general notifications and announcements regarding this year’s application round.

If you already completed a sign-up form earlier this summer, there is no need to complete another. Just email any changes in your contact information to apply@siouxfallshabitat.org.

How and When Can I Get An Application Form?

Application forms will become available for public distribution on Thursday, September 28, 2023, and not before. Below are your options for obtaining an application:

  1. Attend one of the application distribution meetings at the Siouxland Library, Downtown Sioux Falls at 200 N. Dakota Avenue. The meeting times are as follows:
    • Thursday, September 28 from 1-3 p.m. or 5-7 p.m. (Downtown Library, Meeting Rooms A & B)
    • Saturday, September 30 from 10-noon or 2-4 p.m. (Downtown Library, Meeting Room B)
      • Homeowner Services staff and Family Selection committee volunteers will be available at the library meetings to distribute applications and to answer any questions.
      • A brief presentation will be held at the top of each hour.
      • No registration is required for the library meetings.
  2. Starting September 28, you can pick up an application packet at the front entrance of the Habitat ReStore during business hours. The Habitat building (ReStore) is open Tuesday-Saturday, 10 a.m. to 6 p.m., and is closed on Sundays and Mondays. Address: 721 E. Amidon Street, Sioux Falls.
    • Please call Homeowner Services at 605-274-6290 with all application-related questions. Most questions can be answered by phone or email. “Drop-in” assistance is not a service we can provide. Homeowner Services staff are available by appointment only.
    • Please note: ReStore cashiers are not available or trained to assist homeownership applicants, so all questions need to be directed to Homeowner Services staff.
  3. Starting September 28, download the application form here. Be sure to follow the application instructions.
  4. Contact Homeowner Services at 605-274-6290 if another option is needed.

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

2023 Income Guidelines for Homeownership Program

Household Size
(# of adults and children)
Minimum Income for Applicant(s)26,90030,75034,60038,40041,50044,55047,65050,700
Maximum Income for Household47,05053,80060,50067,20072,60078,00083,35088,750
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 slab-on-grade 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.

Habitat will have openings in Millard Acres and Granite Valley in 2024, and additional openings in other neighborhoods may become available if other properties are acquired. Habitat can only build on lots we own. 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