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More than a roof.

Homeownership provides safety and security for individuals and families. It encourages people to get involved in the community where they have established roots. It leads to better educational outcomes in children. Homeownership changes lives.

Watch — What are the Benefits of Homeownership?

Why Habitat?

Going through the Habitat Homeownership program is more than an affordable housing option. Habitat team members and volunteers support future homeowners and set them up for successful homeownership through education and training.

Benefits of Habitat Homeownership

During the loan underwriting stage, Habitat will re-verify your financial information to determine your maximum affordable loan. It is Habitat policy that your starting house payment, including property taxes and homeowner’s insurance, cannot exceed 30% of your gross monthly income. Habitat financing makes the house payment affordable!


You receive one-on-one financial coaching to help you budget for your future home and to prepare you financially for homeownership. Other group classes will help you learn various aspects of home maintenance and preparation for homeownership. We want you to be a successful homeowner!


Throughout your partnership, you will work closely with our staff and community volunteers. You will receive invaluable experience as you work your sweat equity hours on the construction sites. Your participation in the construction or rehabilitation of Habitat homes will equip you with skills that will help you maintain and repair your home in the future.

Post-Purchase Support

Habitat staff remains available to provide you with resources and assistance after you purchase your home. We are your lender, and we remain your primary contact for any questions or concerns related to your home loans.

A Trusted Partner

Habitat for Humanity of Greater Sioux Falls has been building and rehabilitating homes in our service area for more than 30 years. Since 1991, we have dedicated over 180 homes, positively impacting the lives of hundreds of adults and children in our community. Habitat homes meet ENERGY STAR ratings, meaning that they are energy efficient as well as affordable.