Homeownership Program

Homeownership Program

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.

All our openings for the 2023 construction season are filled, but we have great things in store for 2024!

When can I Apply?

The next application opportunity will be in October 2023. The homeownership program accepts applications once a year, for a limited time. Application forms are not available until open application begins.

If you would like to learn more about the October 2023 application cycle and the homes we are planning to build or rehab in 2024, sign up below to receive notifications.

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 and willingness to complete sweat equity

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

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. We are always looking for ways to serve more families, so additional openings in other neighborhoods may become available in any given year. We can only build where we own land. We are continually seeking affordable land or homes to purchase within our service area of Minnehaha, Lincoln, or 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 siding color, cabinet and countertop color, and choices about style of flooring. 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 residents find their way into affordable homeownership. 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

Habitat does not discriminate on the basis of race, sex, color, age, handicap, religion, family status, national origin, or income derived from public assistance programs.