Habitat Homes

Creating opportunities for home ownership is the core of Habitat NRV’s work. Habitat builds and sells homes, at cost, with low- or no-interest loans. We keep costs down by using donated materials and volunteer labor. Homes are sold to households who demonstrate need, ability to pay, and willingness to partner with Habitat. Because there are minimal labor costs, no profits for the builders and no interest on their loan, many partner families pay less per month for their Habitat home than they paid in rent for a substandard dwelling.

Community volunteers work side-by-side with future Habitat homeowners, who invest hundreds of hours of their own labor (sweat equity) into building their homes. Increasing home ownership brings many benefits, not only to the new homeowners, but also to the neighborhood and the community at large. These benefits include better educational outcomes, increased property values, and neighborhood and community stability.

How do I Qualify?

A qualifying Habitat Partner Family:

  • Demonstrates need for safe and affordable housing. Criteria for this may include: Physical problems with the dwellingLiving in publicly or privately subsidized housingLiving in overcrowded conditionsLiving in high crime neighborhoodsPaying 30% or more of gross income to rent, Receiving a Housing Choice Voucher

  • Must complete a minimum number of sweat equity hours. Partners earn their hours by helping to build their own home and/or the homes of other families. They also can earn sweat equity by working in The Habitat ReStore, in the Habitat office, or by representing Habitat at public functions. If you have a disability or cannot work at the job site, we will gladly find other volunteer opportunities for you.

  • Earns 30%-80% of Area Median Income. These numbers vary depending on family size.

Add up the annual salary amounts for everyone in your household. To see if you are within the 30%-80% household income range you can:

Click here to look up your county's median income range using the VHDA tool


Download the HUD report, and find your county

Proceed to the next page to read more about the program and how to apply