Check back in April to apply!

Thank you for your interest in becoming a Habitat homeowner! We believe that everyone should have a safe, affordable place to call home.

By working with us from beginning to end, you will prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and much more.

Habitat’s path to homeownership is an important and in-depth process, requiring hard work, time and dedication. But this helps ensure the long-term success of Habitat homeowners. You can do it!

First Steps

Habitat homeowners must be active participants in building a better home and future for themselves and their families.  Every Habitat home is an investment. For us, it is one answer to the critical need for affordable housing in our area, and we believe that stronger homes will create stronger communities.

Prospective homeowners must:

  • Demonstrate a need for safe, affordable housing,

  • Be a US citizen or permanent resident, and have lived or worked in Wake or Johnston County for the past year.

  • Be able to pay an affordable monthly mortgage. Mortgage payments are cycled back into the community to help build additional Habitat houses. Every year, income ranges are determined to help us select applicants. See the chart for this year’s income guidelines.

  • Be willing to partner with us throughout the process. This partnership includes performing “sweat equity,” or helping to build their own home or the homes of others in our program. 

What is sweat equity?

What is sweat equity? Sweat equity is the non-monetary investment someone makes in the building process. It’s about doing the hard work to bring an idea to life. At Habitat for Humanity, that means you'll likely spend some times helping build your home or another family's home. It’s not a form of payment, but an opportunity to work alongside volunteers and sponsors to bring a family’s dream of owning a home to life.

Sweat equity can take many forms for partner families working with Habitat: construction work on the build site, volunteering in a Habitat ReStore, assisting in administrative duties, attending an event or more.

This co-working approach informs Habitat’s emphasis on sweat equity: all of us work together so that homeowners can achieve the strength, stability and independence they need to build a better life for themselves and for their families.