Deferred second loan
Closing Cost Assistance
First-time homebuyers · New construction · Income limits · Single-family detached, condominium, townhouse, PUD · manufactured home on permanent foundation per first-mortgage product.
Down payment assistance · Brown County
Buying a home in Aberdeen, SD
1 Aberdeen program and 8 statewide.Aberdeen has 1 program of its own, and 8 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
Find my programs Free · No credit pull · 90 seconds
Only for Aberdeen addresses
Aberdeen’s own program
The Aberdeen marketThe Aberdeen housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Aberdeen
- 57.3% single-familysingle-family
- 2.2% townhousetownhouse
- 8.4% 2–4 units2–4 units
- 28.5% 5+ unitscondo & apartment buildings (5+ units)
- 3.6% mobile & othermobile home & other
Condos count. Aberdeen’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Aberdeen’s homes were built
pre-19401970s2020+
61.6%
of Aberdeen homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$106,400
County area median income, 4 people (HUD)HUD area median income, Brown County, 4-person household (2026)
$64,405
Aberdeen median household incomeMedian household income in Aberdeen (Census, 2024)
12 of the 71 programs here set their income limit as a share of Brown County’s area median income, adjusted for household size. See the published limits for Brown County
Free help nearbyFree help near Aberdeen
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Aberdeen’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Closing Cost Assistance asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across South Dakota and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
Aberdeen questions
Does Aberdeen have its own down payment program?
Yes, one: Closing Cost Assistance, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Aberdeen.
Can I use assistance on a condo in Aberdeen?
Aberdeen’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Brown County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Brown County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Aberdeen?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Aberdeen. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
57401 · 57402
Sources
Sources: agency sites (July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.