Find grants, rebates, forgivable loans, and free programs for Rapid City, SD, filtered to your situation.
As of June 2026, 31 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Rapid City, SD, with individual awards up to $126,526. 9 programs target seniors, 2 serve veterans, and 12 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 22 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 3 | Refunded to you after purchase | Energy-efficiency upgrades |
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HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...
ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...
HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...
EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...
Federal weatherization program administered by SD DSS that provides energy-efficiency improvements at no cost to income-...
Provides deferred payment loans for major home repairs to owner-occupied homes. Loan is forgiven after 10 years of conti...
Provides grants for accessibility modifications to owner-occupied homes for residents with disabilities or mobility limi...
Provides emergency and critical home repair grants for senior homeowners age 62+ to address health and safety issues. Pr...
Cost-share assistance for repair or replacement of private sewer laterals connecting homes to the city main. City covers...
HUD-funded program to identify and remediate lead-based paint hazards in homes built before 1978 where children under ag...
Provides low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair or improve their ...
Helps veterans with certain service-connected disabilities adapt or purchase a home to accommodate their disability. Ava...
Helps veterans with certain service-connected disabilities adapt their residence to accommodate their disability. Availa...
Rebates for qualifying energy-efficient natural gas equipment and weatherization improvements. Includes furnaces, water ...
Rebate for installation of qualifying air-source or geothermal heat pump systems. Encourages adoption of efficient elect...
Incentive for residential solar photovoltaic installations for Black Hills Energy electric customers. Payments based on ...
Seasonal assistance with heating costs for low-income South Dakota households. Benefits paid directly to energy vendors ...
Federal HOME funds used for substantial rehabilitation of owner-occupied homes. Provides forgivable loans for households...
Emergency assistance for furnace repair or replacement during winter months for very low-income households. Priority giv...
Cost-share program for replacement of private water service lines from the main to the home. City covers up to 50% of co...
Freezes property tax assessment increases for qualifying seniors age 70+ or 100% disabled individuals with household inc...
HUD-certified homebuyer education providing pre-purchase counseling, financial literacy, and home maintenance training. ...
FEMA-funded assistance for flood mitigation in designated floodplain areas, particularly Rapid Creek corridor. May inclu...
Assists low-income homeowners with chimney liner installation, fireplace repair, or wood stove replacement to address fi...
State tax credit equal to 25% of qualified rehabilitation expenditures for owner-occupied historic homes listed on the N...
Low-interest loan program for repair or replacement of failing septic systems in unincorporated Pennington County. Loans...
Deferred loan for repair and improvement of owner-occupied manufactured homes, including structural repairs, tie-downs, ...
Professional home energy audit identifying opportunities for energy savings. Includes blower door test, infrared imaging...
Grant assistance for energy-efficient window replacement in income-qualified owner-occupied homes. Priority given to hom...
Forgivable loan for critical foundation and structural repairs that threaten habitability. Covers foundation stabilizati...
Rebate for installation of radon mitigation systems in homes with elevated radon levels. South Dakota has high radon pre...
Many of these programs can be combined. For example, you can use a city repair grant for the work, a utility rebate for the energy savings, and a federal tax credit on top, all for the same project.
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31 programs are currently listed for Rapid City, including FEMA Hazard Mitigation Grant Program (HMGP), FEMA Increased Cost of Compliance (ICC) Coverage, HUD Lead Hazard Control & Healthy Homes.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Rapid City, 22 programs do not require repayment, 4 are forgivable loans, and 3 are rebates.
Every program listing carries the official application link and phone number for the administering agency. Homeowners apply directly with that agency; there is no middleman and no fee.