Mazaska Owecaso Otipi Financial Home Purchase Loan Program
First mortgage · New construction · Income limits
Down payment assistance · Oglala Lakota County
Buying a home in Oglala, SD
1 county program and 8 statewide.Oglala has no program of its own, 1 across Oglala Lakota County, and 8 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Oglala
No program of Oglala’s own yet
No program run for Oglala alone is listed. A home in Oglala can use Oglala Lakota County’s programs below, plus the South Dakota statewide and federal ones.
The closest city that runs its own program is Rapid City, about 66 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in Oglala LakotaAnywhere in Oglala Lakota County
1 county program1 county program a Oglala homebuyer can use
The Oglala marketThe Oglala housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Oglala
- 76.4% single-familysingle-family
- 0% townhousetownhouse
- 0% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 23.6% mobile & othermobile home & other
About condos. Oglala’s one local program does not list condos as eligible. Mazaska Owecaso Otipi Financial Home Purchase Loan Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Oglala’s homes were built
pre-19401970s2020+
41.6%
of Oglala 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.
$35,700
County area median income, 4 people (HUD)HUD area median income, Oglala Lakota County, 4-person household (2026)
$21,330
Oglala median household incomeMedian household income in Oglala (Census, 2024)
11 of the 71 programs here set their income limit as a share of Oglala Lakota County’s area median income, adjusted for household size. See the published limits for Oglala Lakota County
Free help nearbyFree help near Oglala
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Oglala’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Mazaska Owecaso Otipi Financial Home Purchase Loan Program 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.
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Across South Dakota and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
Oglala questions
Does Oglala have its own down payment program?
No program run for Oglala alone is listed. A home in Oglala can use the 1 program that cover Oglala Lakota County and the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Oglala?
Oglala’s one local program does not list condos as eligible. Mazaska Owecaso Otipi Financial Home Purchase Loan Program lists single family. 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 Oglala Lakota County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Oglala Lakota 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 Oglala?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Oglala. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
57764
Nearby in Oglala Lakota
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.