Four Bands Community Fund Home Mortgage and Section 502 Loan Program
First mortgage · New construction · Income limits
Single Family, Manufactured, Modular
See details Jul 2026
Down payment assistance · South Dakota
Buying a home in Dewey County, SD
1 county-wide program, plus 8 statewide and 62 nationwide.Dewey has 1 program that covers the whole county. On top of those, 8 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in DeweyAnywhere in Dewey County
1 program for every Dewey address1 program that covers every Dewey address
This is run for the whole county, so a home in North Eagle Butte or Eagle Butte can use it.
The Dewey marketThe Dewey housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Dewey
- 75.6% single-familysingle-family
- 2.5% townhousetownhouse
- 3% 2–4 units2–4 units
- 5.1% 5+ unitscondo & apartment buildings (5+ units)
- 13.9% mobile & othermobile home & other
About condos. None of the 1 county or city program here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Dewey’s homes were built
pre-19401970s2020+
54.8%
of Dewey 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.
$66,400
HUD area median income, 4 people (FY2026)HUD area median income, Dewey County, 4-person household (FY2026)
$54,104
Median household income (ACS 2024 5-year)Median household income in Dewey (Census ACS 2024 5-year)
61.2%
of occupied homes are owner-occupied (South Dakota: 68.6%)
The two income figures measure different things. HUD’s area median income is the one programs use. 11 of the 71 programs here set their income limit as a share of Dewey County’s area median income, adjusted for household size. See the published limits for Dewey County
Free help in DeweyFree help in Dewey
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes 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
2 cities and placesA to Z
All cities in Dewey CountyAll 2 cities and places in Dewey County
Dewey questions
Can I use a county program anywhere in Dewey?
The 1 county-wide program cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Dewey County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Dewey programs accept condos?
None of the 1 county or city program here list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Dewey?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.