No matter who you are or where you come from, everyone deserves a decent place to live. Habitat for Humanity Philadelphia provides a hand-up, not a handout, to families in need. People in Habitat’s Homeownership Program partner to build brighter futures for themselves and their families. We work with individuals who might not otherwise qualify for a traditional mortgage.
Habitat builds and rehabs houses in the Philadelphia area, which are available for purchase with an affordable mortgage to people in our Homeownership Program. See if you are eligible below.
Household income is calculated based on the gross income of all adults. Below, the maximum income is based on 80% of the 2022 HUD Area Median Income (AMI) for Philadelphia.
| Household Size | Minimum Household Income | Maximum Household Income |
|---|---|---|
| Household Size1 | Minimum Household Income$36,900 | Maximum Household Income$59,040 |
| Household Size2 | Minimum Household Income$42,200 | Maximum Household Income$67,520 |
| Household Size3 | Minimum Household Income$47,450 | Maximum Household Income$75,920 |
| Household Size4 | Minimum Household Income$52,700 | Maximum Household Income$84,320 |
| Household Size5 | Minimum Household Income$56,950 | Maximum Household Income$91,120 |
| Household Size6 | Minimum Household Income$61,150 | Maximum Household Income$97,840 |
| Household Size7 | Minimum Household Income$63,350 | Maximum Household Income$101,360 |
| Household Size8 | Minimum Household Income$69,600 | Maximum Household Income$111,360 |
The typical time period for completing the program is within 8-12 months, after which the purchase process begins. This timing for when you purchase depends on a variety of factors, including how long it takes you to complete all requirements, Habitat’s current construction schedule, and other considerations.
Our Homeowner Services team is here to keep you on track! We understand there may be bumps in the road, and we will work with you as a partner in your success.
We will also connect you with reputable partnering organizations that can offer complementary support around issues such as managing personal finances and taking advantage of select City or other local programs.
You can reach our Homeowner Services team at (215) 765-6000 x18 or by emailing family@habitatphiladelphia.org.
Our application cycles are set based on our current construction schedules. When we have a development ready to build, we seek out individuals and families to go through our program and ultimately buy those homes. You can join our mailing list to be notified of any upcoming open application cycles here.