Need for housing

There Must Be A Demonstrated Need In Order To Qualify For A Habitat Home

Need is determined by a family's current living conditions.

Some examples of need are outline below (this list is not all-inclusive).

  • Structural/mechanical problems in building

  • Inadequate sleeping arrangements

  • Unsanitary conditions or health risks

  • Temporary or transitional housing

  • Current housing does not meet the physical needs

  • Unable to obtain a conventional mortgage

willingness to partner

A partner family must be willing to complete "sweat-equity" hours.

"Sweat-equity" is when a partner family takes part in building their own home and other Habitat homes and may include activities such as recycling, painting, deconstruction, working in the Habitat office, or other approved activities. 

Approved applicants must do:

  • A two-adult household is required to perform a minimum of 400 hours.

  • A single-adult family is required to complete 200 hours.

  • A portion of the sweat equity hours can be completed by family and friends.

  • All of the hours must be completed before the partner family can purchase the home.



ability to pay

Ability to pay is determined by information provided and collected during the application process.

Information on the paper application, pay stubs, benefit statements, previously filed federal tax returns, and credit reports are examples of the resources used to determine this ability.

Applicants must have:

  • a steady, reliable source of income and demonstrate financial responsibility

  • the ability to pay a monthly house payment at approximately 25% of gross monthly income (taxes and insurance included)

  • the ability to pay projected monthly utilities (electric/gas & water/sewer)

  • NOT have filed for bankruptcy within the past 2 years

  • NOT have outstanding collections, liens or judgments at time of application