Qualifying for a Habitat Home

Habitat homes are built based on a partnership between a family and the community.

A qualifying family pays for their home with an affordable mortgage and through a down payment of 200 to 400 sweat-equity hours.  

To qualify, applicants need three things:

A Need for Adequate Housing

  • Lack of decent and safe living conditions as defined by the Habitat for Humanity housing evaluation criteria.
  • Overcrowded housing conditions.
  • Excessive home rental expense. A family should not have to spend more than 30% of their income for housing, not including utilities.
  • Applicants must have incomes that are too low to enable them to secure conventional financing from a traditional lending institution.

An Ability to Pay

  • The gross annual household income may not exceed 78% of the Maricopa and Pinal County area median income.  The median income figure varies depending on the size of the family.
  • Two-year history of stable income.
  • Monthly long-term debt payments, including estimated mortgage payment, should not exceed 43% of a family’s income.
  • An acceptable history of credit
  • Ability to cover closing costs (approximately $3,500).
  • Applicant must be a U.S. citizen or a permanent resident. This applies to all household members.

A Willingness to Partner with Habitat

  • Be willing to contribute 200-400 hours of sweat equity towards the building or renovating of Habitat homes (special accommodations may be made available upon request).
  • Be willing to live in the neighborhood in which Habitat is currently building and follow city and subdivision regulations.
  • Be willing to be a participating member of the Homeowner’s Association (if applicable).
  • Attend mandatory workshops for success in homeownership.

For questions on qualifying for a home, please email us through our homeownership contact form.

Call to speak with our Family Services Team!


Peoria Office

9133 NW Grand Ave. Ste. 1
Peoria, AZ 85345
(623) 583-2417

Phoenix Office

115 E. Watkins
Phoenix, AZ 85004
(602) 268-9022


Habitat for Humanity Central Arizona is an equal opportunity housing provider and complies with federal regulations regarding discrimination. It considers applicants without regard to their race, religious preference, gender, handicap, familial status or national origin.

What is the Habitat for Humanity Model?

Habitat homes are built based on a partnership between a family and the community. A qualifying family pays for their home through an affordable loan financed by Habitat plus a contribution of 400 sweat equity hours on new construction/at least 200 hours on a renovation. This model helps to keep the upfront costs and monthly housing payments low. The qualifications to apply for a Habitat house are as follows:

  • Meet income requirements and affordability.
  • All household members must be a US Citizen or permanent resident.
  • Ability to pay a monthly mortgage and $ 3,500.00 in closing costs.
  • Acceptable history of credit and the inability to get a traditional home loan.
  • Demonstrate a need for affordable housing as defined by Habitat’s evaluation criteria.
  • Willingness to partner and contribute no less than 400 sweat equity hours on new construction/at least 200 hours on a renovation.

How Do I Learn More?

To find out more about the program or to find out if you qualify:

  • Call Family Services at 602.268.9022 for the Phoenix Office, 623.583.2417 for the Peoria Office.
  • View office locations here.

What Should I Bring To A Pre-screening Appointment?

In order to find out if you qualify, please bring the following to pre-screening (if you are a couple, both must be present):

  • Valid Driver’s License or State-Issued ID Card per applicant over age of 18
  • Birth Certificate, Permanent Resident Card, Passport or Naturalization Certificate for all household members
  • Social Security Card for all household members
  • Pay stubs for last three months per applicant
  • Federal tax returns with W2s for the last two years
  • Proof of any additional income such as SSI Award letter, child support order, divorce decree, etc. for the last two years
  • A non-refundable $50 Money Order per applicant (waived for military applicants)


If you have questions about how to apply for a home, please use our Homeowner Contact Form, or call 602-268-9022 and ask to speak with someone in Family Services.




Special accommodations will be made upon request.
For questions on homeownership, email us through our homeownership contact form.

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Habitat for Humanity of Central Arizona




Phoenix Office
(602) 268-9022
115 E. Watkins St.
Phoenix, AZ 85004

Peoria Office
(623) 583-2417
9133 NW Grand Ave., Suite 1
Peoria, AZ 85345