Home Application Information

Thank you for your interest in becoming a Habitat homeowner. We believe everyone should have a safe, affordable place to call home. If selected as a Habitat partner family, we will help you every step of the way.

As a Habitat partner family, we will prepare you for the various responsibilities of homeownership. We will work to connect you to classes in personal finances, mortgages, and home maintenance. Habitat’s path to homeownership is an in-depth process, requiring hard work, time and dedication. This proven model helps us ensure your long-term success.

How to qualify for a Habitat home

Applicants must meet five basic criteria:
  • You must live or work in Snohomish County.

  • You must make a “low income,” earning between 30% and 80% of Area Median Income as defined by HUD federal guidelines. See below for the latest HUD Income Guidelines.

  • You must partner with us in building the home. You will be required to put in 500 hours of “sweat equity,” helping to build your own home alongside construction volunteers and staff. For disability or other accommodations, sweat equity can also include volunteering in our stores or office.

  • You must also be able and willing to pay an affordable mortgage. This requires a steady, consistent annual income and typically requires a credit score of 620 or better.

  • You must demonstrate a need for safe, affordable housing. Applicants are not selected by date of interest or email sign-up, but are prioritized by need. This could be a landlord that refuses to treat mold or make safety repairs, housing too many children in one room, etc. Once you fill out a full application at our Homeowner meeting, members of our Family Services Committee will conduct a site visit at your home to assess need in addition to financial and household information you provide in your application.

2019 HUD Income Guidelines (Click to Expand)

Family SizeMinimum Income (30% Area Median Income)Maximum Income (80% Area Median Income)
1 person$23,250$61,800
2 persons$26,600$70,600
3 persons$29,900$79,450
4 persons$33,200$88,250
5 persons$35,900$95,350
6 persons$38,550$102,400
7 persons$41,200$109,450
8 persons$43,850$116,500

How to apply

We will hold a homeowner interest meeting several months before we begin building new homes. If you wish to apply for a Habitat home, you must attend a homeowner meeting. There you will fill out a full application.

Homeowner selection is managed by our Family Services Committee. Currently no homeowner meetings are scheduled. To receive emails about future homeowner meetings, please complete our homeowner interest form. This form is not an application, but a sign-up for communication about homeowner meetings only.

Upcoming home builds

When we start a build project, we will begin the home application process by scheduling homeowner meetings. If you wish to be notified when these meetings are scheduled, please fill out the homeowner interest form above. This form is not an application for homeownership.

Can anyone apply to be a Habitat homeowner?

Yes. Habitat follows a nondiscriminatory policy of home buyer selection. We do not discriminate based on race, ethnicity, nationality, race, gender, religion, age, or sexual orientation, or by any other protected class. We are an Equal Opportunity Lender and follow all applicable non-discrimination laws, regulations and guidelines.

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