Home Ownership Income Guidelines

Home Ownership Criteria

Habitat uses three criteria to determine whether or not a family is ready to take part in the homeownership program.

  • Need

    Families often need a home because their current housing isn't viable. It may be overcrowded, too expensive, structurally unsound, or located in a dangerous neighborhood.

  • Willingness to partner

    Habitat homeowners work on their own homes as well as homes for others.

  • Ability to pay

    You must be able to afford a monthly mortgage payment. See the chart below for some guidelines.

Income Ranges

Habitat offers its program to families in specific income ranges, adjusted for the number of persons in your family. Income includes wages, SS, disability, SSI, TANF and child support. For our local Habitat, your total yearly gross household income must fall within the posted ranges below.

Family Size Minimum Maximum
One $12,050 $30,150
Two $13,800 $34,500
Three $15,500 $38,800
Four $17,200 $43,100
Five $18,600 $46,550
Six $20,000 $50,000
Seven $21,350 $53,450
Eight $22,750 $56,900

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