Homeownership might be closer than you think.

Everyone deserves a decent, affordable place to call home

A safe and affordable home is the foundation of a better life, a healthy family, and a strong community. Habitat for Humanity of Island County provides a hand-up, not a hand-out, to families struggling to attain safe, stable, and affordable housing. At the end of the process, Habitat homeowners not only gain a home, they gain the strength, stability, and self-reliance that homeownership provides.

Eligibility Requirements

Every Habitat homeowner meets the same, basic requirements: residency, need, financial ability, and willingness to help build your home.


 Applicants must live or work in Island County, be a permanent, legal resident of the United States, and use the home they purchase as their primary residence.


Potential homeowner must show that they have a current need for improved housing. This need can be demonstrated by a lack of space/overcrowded housing, current rent that is more than 50% of the family’s monthly income, unsafe living conditions, a dangerous environment, lack of or problems with major utilities, general structural problems, or other conditions that make your current home inadequate.

Ability to Pay a Mortgage

Habitat for Humanity provides home buyers with affordable mortgages that do not exceed 30% of the family’s monthly income. Applicants must have a steady source of income and demonstrate financial responsiblity — generally determined by credit history.

Potential homebuyers should be earning between thirty and eighty percent of Island County’s Average Median Income (AMI) based on family size.

Willingness to Partner

All future homeowners complete 250 hours of “sweat equity” per adult who will be on the loan documents as part of the down-payment on their home. These hours may be a combination time spent helping build your home, helping on another homebuyer’s home, working in the Habitat Store, or volunteering in our adiministrative office.

How to become a Habitat Homeowner

You’ve already taken the first step towards becoming a Habitat homebuyer, just by visiting this website. If you believe you meet the basic eligibility requirements we ask you to take the following steps:

  1. Watch our 30-minute video about Habitat for Humanity and how to apply to become a homebuyer. You must watch the video all the way through before proceeding to the next step.
  2. Complete the Intake Form and submit to the Family Services Manager.
  3. If approved to take the next step, you will meet with our local lending partner to complete the pre-qualification process.
  4. At this point, if you are qualified to become a Habitat homeowner, your application will be submitted, anonymously, to the Habitat for Humanity of Island County Board of Directors who will make the final determination.