Neighborhood Housing Services of the Black Hills
Public records show a registered, tax-exempt organization in good standing.
What it says it does
ASSIST IN PROVIDING DECENT, SAFE, AND AFFORDABLE HOUSING & REVITALIZING NEIGHBORHOODS TO IMPROVE THE QUALITY OF LIFE IN OUR COMMUNITIES.
- Income
- $1.1 million
- Spending
- $974,216
- Spent on programs
- 63%
- Reserves
- 32.4 months of spending
- Largest source of income
- government grants, 40%
- Employees
- 8
- Volunteers
- 212
- Highest pay
- $88,834, executive di
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Good: 84 out of 100. Higher than 72% of charities in its peer group (housing, $1m to $10m).
Reserves
35 of 35Spendable reserves would cover 32.4 months of spending.
Debt
16 of 20It owes 27% of what it owns.
Living within its means
15 of 15Income exceeded spending by 7% of income.
Income trend
10 of 15Income fell 5% on the year before.
Spending floor
8 of 1563% of spending went to programs and raising each dollar of donations cost 8 cents.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Governance
Strong: 100 out of 100. Higher than 70% of charities in its peer group (housing, $1m to $10m).
Independent board
25 of 2511 of 11 voting board members are independent.
Conflict of interest policy
15 of 15Has a written conflict of interest policy.
Whistleblower policy
8 of 8Has a written whistleblower policy.
Record keeping policy
7 of 7Has a written policy on keeping and destroying records.
Board minutes
5 of 5Keeps minutes of board meetings.
Board sees the tax return
10 of 10Gave the board a copy of this return before filing it.
Pay set independently
5 of 5Sets its chief executive's pay through independent review and comparison.
Independent check of accounts
15 of 15Its accounts were audited by an independent accountant.
No reported misuse
10 of 10Reports no diversion of assets, excess benefits or loans to insiders.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (5)
- $358,734 spent. CAMPAIGN FOR HOMEOWNERSHIP: UNDER THE UMBRELLA OF THE CAMPAIGN FOR HOMEOWNERSHIP, NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. HAS IMPLEMENTED PROGRAMS TO REMOVE BARRIERS THAT PREVENT POTENTIAL HOMEBUYERS FROM ACHIEVING HOMEOWNERSHIP, TO MAINTAIN THEIR HOME, AND TO STAY IN THEIR HOME. NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. IS CERTIFIED AS A HUD COUNSELING AGENCY, CERTIFIED AS A COMMUNITY HOUSING DEVELOPMENT ORGANIZATION WITH THE STATE OF SOUTH DAKOTA AND HAS ADOPTED THE NATIONAL INDUSTRY STANDARDS FOR HOMEOWNERSHIP EDUCATION AND COUNSELING. HOMEBUYER EDUCATION: POTENTIAL HOMEBUYERS ARE INTRODUCED TO THE HOME BUYING PROCESS AND THEIR PART IN IT. LOCAL PROFESSIONALS VOLUNTEER THEIR TIME TO OFFER TRAINING ON BUDGETING, CREDIT, TYPES OF LOANS, PREDATORY LENDING, HOME INSPECTIONS AND ROLES OF VARIOUS HOUSING PARTNERS. THE CLASS PROVIDES EIGHT HOURS OF INTENSIVE, INTERACTIVE HOUSING EDUCATION. HOMEBUYER COUNSELING: POTENTIAL HOMEBUYERS RECEIVE ONE-ON-ONE COUNSELING REGARDING THEIR SPECIFIC FINANCIAL SITUATIONS. COUNSELORS DISCUSS THE FINANCING OPTIONS, REVIEW CREDIT, ANSWER QUESTIONS AND DETERMINE A PLAN OF ACTION. POST-PURCHASE EDUCATION: POST-PURCHASE CLASSES ARE HANDS ON CLASSES TO ASSIST NEW AND EXISTING HOMEOWNERS IN THE MAINTENANCE OF THEIR HOME. ANNUAL ROUTINE MAINTENANCE IS DISCUSSED AT EACH CLASS, HOW TO BE A GOOD NEIGHBOR AND PREDATORY LENDING IS REVISITED. FORECLOSURE PREVENTION COUNSELING: HOMEOWNERS RECEIVE ONE-ON-ONE COUNSELING TO PREVENT FORECLOSURE, ASSISTING WITH BUDGETING AND WORKING WITH CREDITORS. CLIENTS RECEIVE COMPLETE FORECLOSURE INTERVENTION AND DEFAULT COUNSELING WITH MORTGAGE MITIGATION ASSISTANCE. FINANCIAL FITNESS EDUCATION: POTENTIAL AND EXISTING HOMEOWNERS OBTAIN FINANCIAL LITERACY KNOWLEDGE AND SKILLS IN THIS CREDIT COUNSELING CLASS. THE CLASS INCLUDES 12 HOURS OF STUDY ON SUBJECTS INCLUDING WHEN TO BORROW, USING CREDIT CARDS, DELINQUENCIES, BANKRUPTCIES AND MAINTAINING GOOD CREDIT. THE HOMEOWNERS WILL LEAVE WITH A PERSONALIZED WORKING BUDGET FOR THEIR HOUSEHOLD. LENDING: IN 2002, THE ORGANIZATION FORMED A SUBSIDIARY, NEIGHBORHOOD LENDING SERVICES, LLC TO MANAGE THE GROWING LOAN FUND PORTFOLIO. NEIGHBORHOOD LENDING SERVICES, LLC IS CERTIFIED AS A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI) BY THE U.S. DEPARTMENT OF THE TREASURY. NEIGHBORHOOD LENDING SERVICES, LLC MAINTAINS A REVOLVING LOAN FUND. THE MAIN FOCUS OF THE REVOLVING LOAN FUND IS TO PROVIDE "DOWN PAYMENT AND CLOSING COSTS" ASSISTANCE FOR LOW- TO MODERATE-INCOME FAMILIES AND FIRST TIME HOMEBUYERS. OTHER LOAN PRODUCTS INCLUDE REHABILITATION LOANS AND PARTICIPATION LOANS WITH USDA RURAL DEVELOPMENT. THE ORGANIZATION IS ABLE TO OFFER FLEXIBLE LENDING PRODUCTS FOR LOW TO MODERATE INCOME FAMILIES. PROPERTY MANAGEMENT: NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. OWNS TWO APARTMENT BUILDINGS TOTALING 40 RENTAL UNITS. CAMPAIGN FOR HOMEOWNERSHIP: UNDER THE UMBRELLA OF THE CAMPAIGN FOR HOMEOWNERSHIP, NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. HAS IMPLEMENTED PROGRAMS TO REMOVE BARRIERS THAT PREVENT POTENTIAL HOMEBUYERS FROM ACHIEVING HOMEOWNERSHIP, TO MAINTAIN THEIR HOME, AND TO STAY IN THEIR HOME. NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. IS CERTIFIED AS A HUD COUNSELING AGENCY, CERTIFIED AS A COMMUNITY HOUSING DEVELOPMENT ORGANIZATION WITH THE STATE OF SOUTH DAKOTA AND HAS ADOPTED THE NATIONAL INDUSTRY STANDARDS FOR HOMEOWNERSHIP EDUCATION AND COUNSELING. HOMEBUYER EDUCATION: POTENTIAL HOMEBUYERS ARE INTRODUCED TO THE HOME BUYING PROCESS AND THEIR PART IN IT. LOCAL PROFESSIONALS VOLUNTEER THEIR TIME TO OFFER TRAINING ON BUDGETING, CREDIT, TYPES OF LOANS, PREDATORY LENDING, HOME INSPECTIONS AND ROLES OF VARIOUS HOUSING PARTNERS. THE CLASS PROVIDES EIGHT HOURS OF INTENSIVE, INTERACTIVE HOUSING EDUCATION. HOMEBUYER COUNSELING: POTENTIAL HOMEBUYERS RECEIVE ONE-ON-ONE COUNSELING REGARDING THEIR SPECIFIC FINANCIAL SITUATIONS. COUNSELORS DISCUSS THE FINANCING OPTIONS, REVIEW CREDIT, ANSWER QUESTIONS AND DETERMINE A PLAN OF ACTION. POST-PURCHASE EDUCATION: POST-PURCHASE CLASSES ARE HANDS ON CLASSES TO ASSIST NEW AND EXISTING HOMEOWNERS IN THE MAINTENANCE OF THEIR HOME. ANNUAL ROUTINE MAINTENANCE IS DISCUSSED AT EACH CLASS, HOW TO BE A GOOD NEIGHBOR AND PREDATORY LENDING IS REVISITED. FORECLOSURE PREVENTION COUNSELING: HOMEOWNERS RECEIVE ONE-ON-ONE COUNSELING TO PREVENT FORECLOSURE, ASSISTING WITH BUDGETING AND WORKING WITH CREDITORS. CLIENTS RECEIVE COMPLETE FORECLOSURE INTERVENTION AND DEFAULT COUNSELING WITH MORTGAGE MITIGATION ASSISTANCE. FINANCIAL FITNESS EDUCATION: POTENTIAL AND EXISTING HOMEOWNERS OBTAIN FINANCIAL LITERACY KNOWLEDGE AND SKILLS IN THIS CREDIT COUNSELING CLASS. THE CLASS INCLUDES 12 HOURS OF STUDY ON SUBJECTS INCLUDING WHEN TO BORROW, USING CREDIT CARDS, DELINQUENCIES, BANKRUPTCIES AND MAINTAINING GOOD CREDIT. THE HOMEOWNERS WILL LEAVE WITH A PERSONALIZED WORKING BUDGET FOR THEIR HOUSEHOLD. LENDING: IN 2002, THE ORGANIZATION FORMED A SUBSIDIARY, NEIGHBORHOOD LENDING SERVICES, LLC TO MANAGE THE GROWING LOAN FUND PORTFOLIO. NEIGHBORHOOD LENDING SERVICES, LLC IS CERTIFIED AS A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI) BY THE U.S. DEPARTMENT OF THE TREASURY. NEIGHBORHOOD LENDING SERVICES, LLC MAINTAINS A REVOLVING LOAN FUND. THE MAIN FOCUS OF THE REVOLVING LOAN FUND IS TO PROVIDE "DOWN PAYMENT AND CLOSING COSTS" ASSISTANCE FOR LOW- TO MODERATE-INCOME FAMILIES AND FIRST TIME HOMEBUYERS. OTHER LOAN PRODUCTS INCLUDE REHABILITATION LOANS AND PARTICIPATION LOANS WITH USDA RURAL DEVELOPMENT. THE ORGANIZATION IS ABLE TO OFFER FLEXIBLE LENDING PRODUCTS FOR LOW TO MODERATE INCOME FAMILIES. PROPERTY MANAGEMENT: NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. OWNS TWO APARTMENT BUILDINGS TOTALING 40 RENTAL UNITS.
- $166,127 spent. CONSTRUCTION AND REHABILITATION MANAGEMENT SERVICES: CONSTRUCTION NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. PROVIDES CONSTRUCTION MANAGEMENT EXPERTISE. THE PRIMARY CONSTRUCTION OPPORTUNITY IS WITH GOVERNOR'S HOUSE PROGRAM. THE STATE OF SOUTH DAKOTA INITIATED THE GOVERNOR'S HOUSE PROGRAM IN 1996 TO PROVIDE ELDERLY, DISABLED AND LOW- INCOME FAMILIES WITH AFFORDABLE HOUSING. NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. WILL ALSO PROVIDE THE CONSTRUCTION MANAGEMENT TO BUILD A STICK-BUILT HOME. HOMES ARE SOLD AT REDUCED RATES. REHAB: THROUGH STRONG PARTNERSHIPS WITH USDA RURAL DEVELOPMENT AND SOUTH DAKOTA HOUSING DEVELOPMENT AUTHORITY, NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. ADMINISTERS HOME FUNDS AND HOUSING PRESERVATION GRANTS FOR LOW-TO MODERATE-INCOME FAMILIES IN NEED OF HOUSING REHAB. NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. PRIMARILY ASSISTS FAMILIES WITH LIFE SAFETY ISSUES SUCH AS UPDATING ELECTRICAL, FOUNDATION REPAIR, UPDATING PLUMBING, WEATHERIZATION AND ROOF REPAIR. CONSTRUCTION AND REHABILITATION MANAGEMENT SERVICES: CONSTRUCTION NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. PROVIDES CONSTRUCTION MANAGEMENT EXPERTISE. THE PRIMARY CONSTRUCTION OPPORTUNITY IS WITH GOVERNOR'S HOUSE PROGRAM. THE STATE OF SOUTH DAKOTA INITIATED THE GOVERNOR'S HOUSE PROGRAM IN 1996 TO PROVIDE ELDERLY, DISABLED AND LOW- INCOME FAMILIES WITH AFFORDABLE HOUSING. NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. WILL ALSO PROVIDE THE CONSTRUCTION MANAGEMENT TO BUILD A STICK-BUILT HOME. HOMES ARE SOLD AT REDUCED RATES. REHAB: THROUGH STRONG PARTNERSHIPS WITH USDA RURAL DEVELOPMENT AND SOUTH DAKOTA HOUSING DEVELOPMENT AUTHORITY, NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. ADMINISTERS HOME FUNDS AND HOUSING PRESERVATION GRANTS FOR LOW-TO MODERATE-INCOME FAMILIES IN NEED OF HOUSING REHAB. NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. PRIMARILY ASSISTS FAMILIES WITH LIFE SAFETY ISSUES SUCH AS UPDATING ELECTRICAL, FOUNDATION REPAIR, UPDATING PLUMBING, WEATHERIZATION AND ROOF REPAIR.
- $92,304 spent. COMMUNITY ENGAGEMENT: NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. ALSO PROVIDES RESIDENT LEADERSHIP OPPORTUNITIES THROUGH NEIGHBORHOOD COUNCILS, DEVELOPING COMMUNITY LEADERS ACADEMY AND BUSINESS SENSE EDUCATION. COMMUNITY OUTREACH ALSO ENCOURAGES COMMUNITY VOLUNTEERISM THROUGH A VARIETY OF PROJECTS. NEIGHBORHOOD COUNCIL: EACH COUNCIL ADDRESSES THE COMMUNITY NEEDS AND ASSISTS IN PROVIDING DIRECTION. EACH COUNCIL IS ENTITLED TO AND HAS REPRESENTATION ON THE NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. BOARD OF DIRECTORS TO ASSIST WITH DEVELOPMENT OF PROGRAMS OR PROJECTS IMPLEMENTED BY THE ORGANIZATION. VOLUNTEER EVENTS: VOLUNTEER OPPORTUNITIES INCLUDE PAINTING HOMES FOR LOW- INCOME AND DISABLED FAMILIES, NEIGHBORHOOD BEAUTIFICATION, NEIGHBORHOOD AND COMMUNITY CLEAN UP, AND WEATHERIZATION OF LOW-INCOME HOMES. COMMUNITY ENGAGEMENT: NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. ALSO PROVIDES RESIDENT LEADERSHIP OPPORTUNITIES THROUGH NEIGHBORHOOD COUNCILS, DEVELOPING COMMUNITY LEADERS ACADEMY AND BUSINESS SENSE EDUCATION. COMMUNITY OUTREACH ALSO ENCOURAGES COMMUNITY VOLUNTEERISM THROUGH A VARIETY OF PROJECTS. NEIGHBORHOOD COUNCIL: EACH COUNCIL ADDRESSES THE COMMUNITY NEEDS AND ASSISTS IN PROVIDING DIRECTION. EACH COUNCIL IS ENTITLED TO AND HAS REPRESENTATION ON THE NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. BOARD OF DIRECTORS TO ASSIST WITH DEVELOPMENT OF PROGRAMS OR PROJECTS IMPLEMENTED BY THE ORGANIZATION. VOLUNTEER EVENTS: VOLUNTEER OPPORTUNITIES INCLUDE PAINTING HOMES FOR LOW- INCOME AND DISABLED FAMILIES, NEIGHBORHOOD BEAUTIFICATION, NEIGHBORHOOD AND COMMUNITY CLEAN UP, AND WEATHERIZATION OF LOW-INCOME HOMES.
- HILLS PARTNERSHIP MANAGES A 27-UNIT COMMUNITY IN DEADWOOD, SOUTH DAKOTA. THE COMMUNITY IS AN INCOME RESTRICTED PROPERTY FOR LOW INCOME HOUSEHOLDS AND IS CONTRACTED THROUGH A HOME PROGRAM THROUGH SOUTH DAKOTA HOUSING. THIS PROVIDES ADDITIONAL AFFORDABLE HOMES FOR THOSE WHO MAY OTHERWISE BE PRICED OUT OF THE MARKET. AS ONE OF TWO MEMBERS IN HILLS PARTNERSHIP, THE NET EARNINGS FLOW THROUGH TO THE ORGANIZATION.
- HILLS PARTNERSHIP MANAGES A 27-UNIT COMMUNITY IN DEADWOOD, SOUTH DAKOTA. THE COMMUNITY IS AN INCOME RESTRICTED PROPERTY FOR LOW INCOME HOUSEHOLDS AND IS CONTRACTED THROUGH A HOME PROGRAM THROUGH SOUTH DAKOTA HOUSING. THIS PROVIDES ADDITIONAL AFFORDABLE HOMES FOR THOSE WHO MAY OTHERWISE BE PRICED OUT OF THE MARKET. AS ONE OF TWO MEMBERS IN HILLS PARTNERSHIP, THE NET EARNINGS FLOW THROUGH TO THE ORGANIZATION.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated September 30, 2026.
Are donations tax-deductible? Passed.
On the IRS list of organizations eligible to receive tax-deductible contributions.
Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated September 10, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2024.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since May 1993.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 7, 2026.
Could it be confused with another charity? Worth knowing.
A much larger organization has a similar name: Neighborhood Housing Services of the South Shore Inc (Quincy, MA), EIN 04-2732439. If that is the one you meant, check the EIN before giving.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.