Eligibility for Habitat Homes

In order to be eligible for habitat housing you must demonstrate the following:

    • Substandard–problems with heat, water, electricity, structure
    • Insufficient space–lacking enough bedrooms for the number of people in the household
    • Dangerous–located in unsafe or unsanitary living conditions
    • Inadequate–not suited for a family member who has a limitation
    • Subsidized for an extended period of time
    • Your income source(s) are consistent and show an ability to pay an affordable mortgage, utilities and home maintenance costs
    • Your credit report and current debts are satisfactory
    • Completing the application on time with all the requested information
    • Agree to complete sweat equity hours
    • Show that the homebuyer is ready for the responsibilities of owning and maintaining a home and yard

Requirements to Purchase a Habitat Home To be eligible to become a Habitat for Humanity Homebuyer, you must meet the following requirements:

  • U.S. Residency – You must provide proof of U.S. citizenship or legal residency through a birth certificate, passport, permanent resident card, I-94 card, or other documentation provided by the U.S. government.
  • Local Residency/Work History – You must have lived or worked in Madison or Clark County, KY for one continuous year prior to application.
  • Monthly Income – Your gross monthly income must be at least $1,600 per month and you must have had income of at least $1,000 per month for the past 2 years or you must have been at the same job/had same income source for one year.
  • Credit – Your credit report and current debt must be satisfactory—we will obtain your credit report and review it with you to see if you are eligible to proceed. Bankruptcy filings must have been discharged a minimum of two years before the time of your
  • Have a total household income which does not exceed 60% of the median income for similar size families in Madison or Clark County, respectively.
  • Level of Need -Your current housing is substandard, insufficient for your family size, dangerous, or inadequate. –
  • Involvement – You must be willing to partner with Habitat by providing information on time, and by showing you are ready to maintain a home and yard.
  • You must also agree to work required sweat equity hours by coming to homeownership classes and helping to build your home.

For more information, please visit our FAQs about home ownership eligibility

2018 Income Guidelines
Madison County
Extremely Low Very Low Income 60% Limits
Family Size (30% Poverty Adj.) (50% HERA MTSP) (60% HERA MTSP)
1 $13,850.00 $26,450.00 $31,740.00
2 $16,460.00 $30,200.00 $36,240.00
3 $20,780.00 $34,000.00 $40,800.00
4 $25,100.00 $37,750.00 $45,300.00
5 $29,420.00 $40,800.00 $48,960.00
6 $33,740.00 $43,800.00 $52,560.00
7 $38,060.00 $46,850.00 $56,220.00
8 $42,380.00 $49,850.00 $59,820.00
Clark County
Extremely Low Very Low Income 60% Limits
Family Size (30% Poverty Adj.) (50% HERA MTSP) (60% HERA MTSP)
1 $14,750.00 $24,550.00 $29,460.00
2 $16,850.00 $28,050.00 $33,660.00
3 $20,780.00 $31,550.00 $37,860.00
4 $25,100.00 $35,050.00 $42,060.00
5 $29,420.00 $37,900.00 $45,480.00
6 $33,740.00 $40,700.00 $48,840.00
7 $38,060.00 $43,500.00 $52,200.00
8 $42,380.00 $46,300.00 $55,560.00

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