Black Hills Area Habitat for Humanity
Black Hills Area Habitat for Humanity

A Place for Everyone
Contact Us © 2008 Black Hills Area Habitat for Humanity
[ phone: 605-348-9196 ]  [ Contact via email ]
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 		 Apply for a Home


    INFORMATIONAL MEETINGS are held four times each year.  Check back here for the next meeting dates and locations.
  1.   You must attend an Informational Meeting to receive an application.  Informational meetings are held four times a calendar year.  Check the Calendar of Events or call 348-9196 to find out the dates of the next informational meetings.
  2. You will be considered for a Habitat home if your present housing is not adequate, and if you are unable to obtain adequate housing through other conventional means.  Lack of adequate housing may include problems with the present structure; water, electrical or sewage service systems; heating system, or failure to meet city property maintenance standards.  Also taken into consideration are the number, the ages and the gender of children compared to the number of bedrooms in your present home.
  3. The percentage of your monthly income that you currently spend on housing is considered to determine need.  You will be required to openly and fully discuss your financial situation with Habitat personnel.
  4. You and your family will be considered if your annual total income is between 30-60% of the median income for the county in which you reside.

Year 2008 Guidelines for Pennington County
Family Size 30% Median 50% Median
One $11,250 $18,750
Two $12850 $21,400
Three $14,450 $24,100
Four $16,050 $26,750
Five $17,350 $28,900
Six $18,600 $31,050
Seven $19,900 $33,150
Eight $21,200 $35,300

Ability to Pay
Since you will actually be buying your house from Habitat, you must demonstrate your ability to pay the monthly mortgage payment.  This payment will include not only the mortgage payment, but the payment for real estate taxes and insurance.  We will help you to determine if this payment will jeopardize your ability to meet all your other family financial obligations and expenses.  We can also help you if you need to develop a budget to determine your eligibility.  The family will be expected to save a down payment of $500.00, approx. $500 for one year of homeowners insurance and $450 for closing costs.

Requirements:

  • You must be a resident of our service area:
          Meade County
          Butte County
          Lawrence County
          Fall River County
          Custer County
          Pennington County
  • You must be a legal resident.

    Willingness to Participate as a Partner with Habitat

    1. When selected, you become a "partner family".  As a partner family you will be responsible for 200 hours of sweat equity per adult family member.  This sweat equity may be accomplished in construction of your house and the houses of others and may include clearing the lot, painting, helping with construction, providing food for volunteers, working in the Habitat office and attending Homeownership Classes. Each adult family member can receive credit for 50 of the sweat equity hours put in by friends and family who join in the work.
    2. You will be responsible for maintenance and repairs of your house from the time you sign the mortgage.
    3. After moving into your house, the Family Support Committee will maintain an ongoing relationship with you for the minimum of a six month period.  
    		•  Black Hills Area Habitat for Humanity pledges to the letter and spirit of U.S. and state policies for the achievement of equal housing. We do not eliminate applicants or discriminate because of race, color, religion, gender, sexual orientation, handicap, family status, ethnicity, national origin, or public assistance as a source of income.