Free help in South Dakota
Data from November 2026
HUD-approved housing counselors in South Dakota
13 HUD-approved counseling agencies serve South Dakota; 8 say they serve in Spanish. They help you prepare to buy, with your credit, with renting, or if you fell behind on payments.
Key numbers in South Dakota
- Agencies
- 13
- HUD-approved, with an office here
- Serve in Spanish
- 8
- 62% of the agencies, per HUD
- Counties with an office
- 11
- out of 66 in all
How it works
What to expect from counseling
Housing counseling is an appointment with a counselor at a HUD-approved agency. This is how it works, according to HUD.
- Step 1
Free or low cost
HUD-approved agencies receive federal funds. Some charge a reasonable fee for certain services, such as workshops; ask about cost before you start.
- Step 2
For buying, renting or getting out of trouble
They advise on buying a home, renting, credit and budgeting, and help if you fell behind on your mortgage or face foreclosure.
- Step 3
Bring your paperwork
Your income (pay stubs or bank statements), your monthly debts and expenses, and whatever you have saved. With that, the counselor builds a plan with you.
- Step 4
Ask for service in Spanish
When you call, say “Spanish, please” or ask whether someone speaks Spanish; if not, ask whether they offer an interpreter.
According to HUD (U.S. Department of Housing and Urban Development)
HUD’s list
Every agency in South Dakota
The ones that say they serve in Spanish come first. Search by city, county or name.
8
of the 13 agencies in South Dakota say they serve in Spanish.
-
Black Hills Children's Ranch, Inc. - Pioneer Credit Counseling
3620 Homestead Street, Suite 1, Rapid City · Pennington County · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 5 more
-
CCCS of LSS - South Dakota
33 3rd St SE Ste 202, Huron · Beadle County · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 4 more
-
CCCS of LSS - South Dakota
752 22nd Ave S, Brookings · Brookings County · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 4 more
-
CCCS of LSS - South Dakota
1424 9th Avenue SE, Watertown · Codington County · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 4 more
-
CCCS of LSS - South Dakota
403 N. Lawler, Mitchell · Davison County · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 4 more
-
CCCS of LSS - South Dakota
920 Broadway Ave, Yankton · Yankton County · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 4 more
-
CCCS of LSS - South Dakota
110 6th Ave SE, Aberdeen · Brown County · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 4 more
-
Lutheran Social Services of South Dakota - CCCS
705 E 41st St, Sioux Falls · Minnehaha County · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 6 more
-
Consumer Credit Counseling Service of the Black Hills
2310 N Maple Ave, Rapid City · Pennington County
- Mortgage delinquency and default
- Budget and financial counseling
- and 7 more
-
Neighborworks Dakota Home Resources
795 Main St, Deadwood · Lawrence County
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 4 more
-
Northeast South Dakota Community Action Program - Grow South Dakota
104 E Ash St, Sisseton · Roberts County
- Budget and financial counseling
- Home improvement and repairs
- and 2 more
-
Sioux Empire Housing Partnership
200 N Phillips AveSuite 200, Sioux Falls
- Budget and credit workshops
- Workshops for new owners
- and 5 more
-
South Dakota Housing Development Authority
3060 E. Elizabeth Street, Pierre · Hughes County
None match your search.
HUD’s official list exactly as published, retrieved November 6, 2026. Confirm hours and costs with the agency before you go. Source: HUD-approved housing counseling agencies Retrieved November 6, 2026 HUD-approved housing counseling agencies (external site)
Frequently asked questions
How much does HUD-approved housing counseling cost?
It is free or low cost. Agencies receive HUD funds; some charge a reasonable fee for certain services, such as workshops or certificates. Ask about cost before you start.
How many agencies serve in Spanish in South Dakota?
8 of the 13 HUD-approved agencies in South Dakota say they serve in Spanish, according to HUD’s list. When you call, ask for service in Spanish or an interpreter.
What if my county has no agency?
Many agencies serve by phone, video or online, not only in person. Your county’s page lists the nearest ones with their distance and phone number.