City Housing Team Highlights Impact, Funding Opportunities

Published on April 08, 2026

The City of Sioux Falls’ Housing Division invested $8.1 million in the community in 2025, supporting 1,898 residents. The division is reminding residents that funding is available to help with home and rental unit repairs as the community heads into spring and summer.

The city’s housing team, part of the Planning and Development Services department, uses federal, state and local funds to support housing assistance through its programs and strategic partnerships. The division’s mission is to help produce, preserve or rehabilitate safe, sanitary and affordable housing for income‑qualified homeowners and renters.

“Our goal is to help ensure residents have access to safe, sanitary and affordable housing,” said Logan Penfield, assistant director of planning and development for the city. “These programs allow us to meet families where they are and help preserve the long-term health of our neighborhoods. We want residents to know that help is available. Whether it's a critical repair or larger-scale rehabilitation, our team is here to support homeowners, renters and property owners in maintaining safe and affordable housing.”

For Sioux Falls residents, the city’s Housing Division offers three programs that provide financial assistance directly to low- and moderate-income households for repairs and replacements to single-family, rental and mobile home properties. Funding can help cover repairs such as plumbing, heating, electrical repairs, roof and window replacements, insulation and weatherization, accessibility improvements and essential painting.

City of Sioux Falls—Housing Division Programs

Single-Family Rehabilitation Program

• The program provides financial assistance for homeowners to repair or replace plumbing, heating systems, electrical work, roofs, windows and screens, insulation, accessible modifications, necessary painting and sidewalks.
• Financial assistance is provided via a deferred, zero percent interest loan that is due upon the home’s sale or if the loan recipient moves out of the home.
• To qualify for the program, household income must not exceed 80% of the median family income, which is $89,750 for a family of four or $62,850 for one person.

Rental Rehabilitation Program

• The program provides low-interest loans to owners of registered rental properties for materials used in exterior and interior rehabilitation.
• Eligible exterior work includes roofing, doors, windows, porches, steps and stairs, gutters and downspouts, siding, paint, foundation repair and driveway approaches. Eligible interior work includes paint, wall repair, floor coverings, cabinetry and insulation. Work requiring licensed contractors, including plumbing, mechanical and electrical, also qualifies.
• Rental property owners can apply for up to an eight-year, low-interest loan. For all loans, the interest rate is zero for the first six months. Beginning in month seven, the rate is based on rent: 3% for rents restricted to the 65% rent limit, 1.5% for the 50% rent limit, and zero percent for fair market rent.

Mobile Home Repair Program

• The program provides financial assistance to residents who own a mobile home within Sioux Falls city limits.
• The program offers up to $5,000 for repairs to any one mobile home over its lifetime for emergency issues, including faulty heating systems or electrical or plumbing problems.
• Applicants are income-restricted to 80% of the area median income, which is $89,750 for a family of four or $62,850 for an individual.
• The loan is forgiven after the applicant occupies the mobile home for one year after project completion.

Supporting documents and application requirements vary by program. Individuals who believe they may qualify should visit siouxfalls.gov/housing for details. Applications can be submitted online.