General Eligibility Requirements for Homeownership

Interested in owning a Habitat home? Potential homeowners must:

  • Attend the Washington State Housing Finance Commission's First-Time Homebuyer Workshop prior to applying, and submit their completion certificate with their application. This free, 5-hour workshop is held throughout the Puget Sound area Monday through Sunday. Find an upcoming workshop that fits your schedule here.
  • Live or work in Pierce County
  • Have no felonies in the past five years
  • Be willing and able to pay a $1,000 down payment within 6 months of acceptance into the home ownership program
  • Be willing to volunteer up to 500 "sweat-equity" hours in 12 months toward building houses and completing classes (accommodations for disabilities available)
  • Live in substandard, overcrowded, temporary, government-subsidized, or expensive housing
  • Have no unpaid collections, judgments, or liens
  • Have a total gross household income within the limits below*:
Family Size 1 2 3 4 5 6 7 8
Minimum Annual Income $34,000 $34,000 $34,000 $34,000 $34,000 $34,000 $36,730 $40,890
Maximum Annual Income $39,700 $45,400 $51,050 $56,700 $61,250 $65,800 $70,350 $74,850

*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.