Homeownership Eligibility Requirements

  • Demonstrated need: paying too much for rent, living with family, etc.
  • Willingness to volunteer a minimum of 200 hours (sweat equity)
  • Ability to pay approximately $1,000/month toward mortgage, taxes, and insurance
  • Lived or worked in Pierce County for the last 12 consecutive months
  • Cannot have owned property in the past 3 years
  • At least one applicant must have legal residency status
  • No felonies in the last 5 years
  • No crimes of a sexual nature
  • A credit score of 620 or higher
  • No open collections, judgement, or liens
  • Foreclosures and bankruptcies must be discharged at least 2 years ago

Income Guidelines

Family Size 1 2 3 4 5 6 7 8
50% AMI 26,100 29,800 33,550 37,250 40,250 43,250 46,200 49,200
80% AMI 41,750 47,700 53,650 59,600 64,400 69,150 73,950 78,700

*Future neighborhoods may have lower income limits. Households with $20,000 or more per year are encouraged to attend an information session. Household income includes wages, child support, SSI/SSA, veteran benefits, TANF, retirement, and any other consistent income sources.

If you do not qualify for a Habitat home, you may find additional housing resources on our Community Resources page.