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Applying for a Home

To carry out our vision, we partner with individuals and families from application through construction to when the keys are handed over.

By working with us from beginning to end, we can help prospective individuals prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and much more.

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


To qualify for a Habitat home, you MUST:

  1. Have lived or worked in Effingham County for twelve months prior to the date of the application.
  2. Have a housing need such as a leaky roof, rotting wood, high utility costs, overcrowding, unsafe/inadequate conditions, or have a rent payment that is too high for your income. A home visit by members of the Habitat for Humanity Family Selection Committee is required.
  3. Be willing to become a Habitat Partner by agreeing to perform 250-500 hours of “sweat equity” by working on your house and other Habitat projects, attending home buyer education classes and homeowner meetings; and committing to maintain your new home, and neighborhood.
  4. Have sufficient, reliable, and verifiable income to pay the mortgage payment and initial down payment, and an acceptable credit history. A fee will be charged each applicant to obtain a current credit report. Income limits vary by family size. For example, the maximum income for a family of four is $39,120.

Maximum General Income Guidelines:

 Family of 1: $27,420                                   Family of 2: $31,320
 Family of 3: $35,220                                   Family of 4: $39,120
 Family of 5: $42,300                                   Family of 6: $45,420
 Family of 7: $48,540                                   Family of 8: $51,660

(These numbers are based on a median income for a family of one through eight in Effingham County. An applicant who qualifies for a Habitat house must make a maximum yearly income of 60% of the median income of families their size.)

Applying to Habitat

It may take a over a year from the time of application before a family can move into their Habitat home.

Habitat for Humanity of Effingham County is currently accepting applications.  You can click HFHEC Home Owner Application to download the application.   Applications will not be accepted without payment of the fee for a current credit report.


We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity
throughout the nation. We affirm and support an affirmative advertising and marketing program in
which there are no barriers to obtaining housing because of race, color, religion, sex, handicap,
familial status, or national origin.


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