Housing

The following housing programs and resources are available to support South Dakota residents living in rural or non-metro areas. These statewide and rural-based programs help individuals, families and communities access affordable housing, financial assistance, and development opportunities.

Click the program title below to visit its official webpage and learn more about eligibility, application details, or available support in your area.

If you’re unsure where to start or need help finding the right program for your situation, contact the Helpline Center by dialing 2-1-1 for free, confidential assistance

South Dakota Housing

• Offers statewide programs for homeownership, housing construction/rehab, homelessness prevention, rental assistance, and housing education

Dakota Resources 

• Fosters rural community revitalization and housing projects through funding an partnerships

Governor’s House Program

• Affordable, energy-efficient homes built for seniors, people with disabilities, and income-qualified South Dakotans to promote attainable homeownership

USDA Rural Development (Single Family Direct Home Loan) 

• Low-interest home loans with payment assistance for low-and very-low-income households in eligible rural areas

Habitat for Humanity (South Dakota Affiliate)

• Helps families build or renovate affordable homes using volunteer labor and community donations, creating lasting pathways to homeownership

Homes Are Possible Inc. (HAPI) – Aberdeen & Mitchell 

• Supports income-eligible households through new home construction, home repairs, and lot development projects in communities like Aberdeen and Mitchell

Lakota Funds (Pine Ridge Reservation)

• A Native Community Development Financial Institution (CDFI) that helps tribal members build and finance housing and small business projects on the reservation

DakotaPlex Homes

• A modular housing initiative support by South Dakota Housing that promotes cost-efficient, multi-unit and single-family home construction across the state

Housing Infrastructure Financing Program

• SD Housing program offering loans/grants for infrastructure (roads, sewer, water, etc.) needed to support housing development

U.S. Department of Housing and Urban Development (HUD) 

• Provides rental housing programs, homebuyer counseling, and financial assistance to promote affordable housing– including Native American housing initiatives

Local Housing Authorities

• 31 local agencies across South Dakota that offer public housing, rental vouchers, and guidance on affordable rental options in their communities

Housing Opportunity Fund (HOF) 

• Finances the development, rehabilitation, and preservation of affordable housing for low- and moderate-income households statewide

Grow South Dakota (GrowSD)

• Provides homes loans, down payment and closing cost assistance, and credit counseling to help individuals achieve homeownership or affordable rental stability

ROCS- Chamberlain Office (Rural Office of Community Services, Inc) 

• Offers rental, utility, and emergency housing assistance for families in Brule, Buffalo, Jones, Lyman, Mellette, and Todd counties

SD CARES Housing Assistance Program

• Focuses on rent, utilities, and mortgage support

Emergency Rental Assistance Program (ERA)

• Provides short-term financial support to help eligible South Dakotan pay past-due rent and utility bills, preventing eviction and housing instability

Aberdeen Housing Authority

• Offers rental vouchers, low-income housing, and housing assistance programs for residents across Aberdeen and surrounding northeast South Dakota communities

Dakota Resources

• A nonprofit CDFI that strengthens rural communities by funding housing, business development, and community revitalization projects across South Dakota

South Dakota Brownfields Program

• Provides cleanup and redevelopment funding for contaminated or underused properties, opening space for new housing or community projects

HOME Investment Partnerships Program

• Provides grants to developers and organizations to build, rehabilitate, or acquire affordable housing for low-income households

City of Redfield Housing Initiative

• Local leadership model focus on renovating existing properties and developing new housing lots to attract and retain residents

City of Wall Housing Strategy

• Combines tourism growth with local housing development — expanding residential capacity and creating opportunities for new families to settle

City of Chamberlain Free-Lot Housing Program

• Chamberlain boosted housing growth by offering fully serviced residential lots- complete with roads and utilities- free to individuals who commit to building a home