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605-630-3259 

​Thinking About Buying a Home? Start Here

​Becoming a homeowner is a big step—and it starts with being prepared. Whether you plan to partner with Habitat, explore local programs, or purchase a home on the open market, homebuyer education is your key to long-term success.
At Mitchell Regional Habitat for Humanity, we believe that everyone deserves a safe, affordable place to call home. Are you ready to take the first step toward homeownership?
We partner with hardworking families in Davison and Hanson Counties who are ready to build strength, stability, and self-reliance through shelter.

🏠 Our Homeownership Program​

We build and sell homes with no profit, offering affordable mortgages to local families who:
✔️ Have a housing need
✔️ Are willing to partner with us (sweat equity)
✔️ Have the ability to pay an affordable mortgage
​
Applicants must complete a Homebuyer Education Class before submitting their Habitat application. CLICK HERE to register ⬇️

Homeownership Classes

Step 1: Take the Homebuyer Education Class
​All applicants must complete a Homebuyer Education Certificate through our partner, Lutheran Social Services of South Dakota.
This free class helps you:
  • Budget for a home
  • Understand credit and mortgage terms
  • Learn about home maintenance
  • Prepare for long-term success as a homeowner

✅ Register Now
​🔗 Click here to register through Lutheran Social Services
📄 You'll receive a certificate after completion — required to apply for Habitat homeownership.

What Kind of Families Qualify?​

Why 30%–60% AMI Matters for Habitat Applicants
​At Mitchell Regional Habitat, most programs serve individuals and families whose household incomes fall between 30% and 60% of AMI. This is because our mission focuses on helping hardworking families who:
  • Have housing need (living in substandard or overcrowded conditions)
  • Earn between 30% and 60% of AMI
  • Are unable to afford conventional loans
  • Commit to equity & readiness steps, including homebuyer education and financial counseling
The 30% and 60% AMI thresholds ensure we assist the most vulnerable populations while supporting sustainable homeownership.
We work with individuals and families who:
  • Have stable income and are within 30–80%* of Area Median Income (AMI)
  • Are residents of Davison or Hanson County
  • Cannot qualify for a conventional mortgage or afford safe housing on the open market
  • Are ready to contribute sweat equity and become successful homeowners

💡 We typically serve households between 30% and 60% AMI, but some repair and special programs may flex up to 80%

​Interested in Partnering with Habitat?

Applications for Our 2026 Townhomes are CLOSED
​We are no longer  accepting applications for our newest project — a pair of affordable townhomes with garages located on 1st Avenue in Mitchell.
To be eligible, you must:
  • Meet income requirements
  • Be in need of safe, decent housing
  • Be willing to partner with Habitat by contributing sweat equity hours
  • Complete a Homebuyer Education class
📅 Application Period:
August 1, 2025 – October 17, 2025 (must be postmarked by Oct. 17)

Stay tuned for the next application!

📬 Questions?

📩 Contact Us