People in your community partner with Habitat for Humanity to build or improve a place they can call home. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage. With our help, Habitat homeowners achieve the strength, stability and independence they need to build a better life for themselves and their families.

Habitat homeowners qualify based on these things: their need for a decent and affordable home, income, ability to pay, and willingness to partner.


Every homeowner must demonstrate an ability to repay their home loan while also earning less than 60% of the area’s median income. A minimum income of about $1,000 per month is required.

Yearly combined family income before taxes must be less than these numbers:

Habitat Income Tables

If you are over the limits by about $10-15,000 you still qualify to help build your own home under a different program. Please apply on our sister site, National Affordable Housing Network.

Ability to Pay:

Every Habitat homeowner has a mortgage to pay. One of the factors that is considered when you apply for your mortgage is your debt compared to your income. We work with every potential homeowner to make sure they can afford their home. This means you’ll need to consider your other financial responsibilities as well. Basically, the less income you earn, the less debt you can afford to carry.

Willingness to Partner:

Habitat homes are built in groups, usually ranging from 4 – 8 homeowners building at the same time. Homeowners that partner with Habitat must be willing to work as a team to help complete every home in the group and each family must contribute a minimum of 1000 hours over the course of the build. When all homes in the group are complete every new homeowner moves in at the same time.
Homeowners are encouraged to build their support team early on by asking friends and family to lend a hand. Any hour contributed by your support team counts toward your 1000 hours.

To apply:

Complete and submit the application: Apply Now

We will follow up with you soon after submittal to schedule an appointment to go over your application and discuss the program and your eligibility in detail.

The next step will be to request 1 of your 3 credit reports from annualcreditreport.com and bring that to your appointment.