First mortgage
Mazaska Owecaso Otipi Financial Home Purchase Loan Program
New construction · Income limits · Single Family
Down payment assistance · Oglala Lakota County
Buying a home in Pine Ridge, SD
1 Pine Ridge program and 8 statewide.Pine Ridge 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.
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Only for Pine Ridge addresses
Pine Ridge’s own program
The Pine Ridge marketThe Pine Ridge housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Pine Ridge
- 79.4% single-familysingle-family
- 0% townhousetownhouse
- 2.5% 2–4 units2–4 units
- 4.4% 5+ unitscondo & apartment buildings (5+ units)
- 13.8% mobile & othermobile home & other
About condos. Pine Ridge’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 Pine Ridge’s homes were built
pre-19401970s2020+
56.2%
of Pine Ridge 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)
$53,060
Pine Ridge median household incomeMedian household income in Pine Ridge (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 Pine Ridge
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Pine Ridge’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
Pine Ridge questions
Does Pine Ridge have its own down payment program?
Yes, one: Mazaska Owecaso Otipi Financial Home Purchase Loan Program, a first mortgage (new construction, income limits). It is for homes inside Pine Ridge.
Can I use assistance on a condo in Pine Ridge?
Pine Ridge’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 Pine Ridge?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
57770
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.