"A thousand words will not leave so deep an impression as one deed. "

-Henrik Ibsen

Eligibility

Athens County Habitat for Humanity empowers people who qualify to build and buy their own homes.

Selected families commit to 250 hours of "sweat equity," as a reasonable down payment, personal finance workshops, education on home safety, guidance for participating in a homeowners' association, and monthly mortgage payments set at no more than 30% of household income.

Qualifications

Habitat Homeowners are selected based on the following criteria:

Need for adequate housing:

  • Current housing is sub-standard or
  • Overcrowded living conditions or
  • Current neighborhood unsafe or
  • More than 30% of monthly income spent on housing
  • Maximum income 60% of area median income
    • Family of 1 yearly gross income range: $11,300–$22,600
    • Family of 2 yearly gross income range: $12,900–$25,800
    • Family of 3 yearly gross income range: $14,500–$29,000
    • Family of 4 yearly gross income range: $16,100–$32,200
    • Family of 5 yearly gross income range: $17,400–$34,800
    • Family of 6 yearly gross income range: $18,700–$37,400

Ability to pay for a Habitat home:

  • Gross income of at least 30% of area median income
  • Family must have stable income
  • Applicants must have a legal right to work in the United States
  • Maximum debt to gross income ratio should not be more than 40% 
  • Meet Habitat's minimum credit history requirements

 Willingness to partner with Habitat:

  • Invest "sweat equity hours" in the construction of your home and in helping to build other Habitat Partner homes.
  • Attend 5 evening Homeowner-In-Process (HIP) 2 hour workshops