Habitat gives away free homes to the poor.


Habitat sells homes at zero percent interest to those who qualify.

helping make your homeownership dream a reality

Habitat for Humanity of Pinellas County (HfHPC) builds homes with people in our community and sells the houses at no profit and no interest to households who otherwise could not afford to own a home. The program also prepares partner families to be successful homeowners.

step 1

qualification criteria

To apply for a home, you must meet the following criteria*:

FIT WITHIN OUR SPECIFIC INCOME ranges below and meet other income-related guidelines.

1 $14,050 $35,175
2 $16,910 $40,200
3 $21,330 $45,225
4 $25,750 $50,175
5 $30,170 $54,225
6 $34,590 $58,275
7 $39,010 $62,250
8 $43,430 $66,300

*HUD Requirements 2019

The income level required is based on the number of people who would be living in the home. This is between 30 percent and 75 percent of the Area Median Income (AMI) for Pinellas County (the numbers are based on guidelines adjusted each year and defined by the U.S. Department of Housing and Urban Development (HUD)). These figures include all forms of income: employment, public assistance, social security, disability, child support, etc. The ranges above reflect the 2017 HUD guidelines.


Are you living in conditions such as:

- Overcrowded conditions
- Unsafe, unsanitary conditions
- Substandard housing - with a leaky roof, poor heating or lacking proper plumbing
- Paying a very high percentage of your income for rent (more than 30 percent)



meet other NECESSARY income-related QUALIFICATIONs include a sufficient debt-to-income ratio, etc.


We don't require perfect credit. We consider families who demonstrate the ability to make regular payments on their bills.

You can find more affordable housing information by visiting

step 2

things to consider


Here is some basic information about how the program works. Part of the application process includes a special Homeowner Orientation where applicants get lots of information and the opportunity to ask questions. Attendance of the Homeowner Orientation class is not required in order to receive an Application for Homeownership.

Habitat Pinellas builds single-family homes and townhouses. We also rehabilitate existing homes. All homes come with our standard Homeowners Warranty and are Energy Star rated. Depending on the size of your family when you apply, we build homes with two to six bedrooms and one or two bathrooms.


Habitat for Humanity builds throughout Pinellas county, in places where we can find affordable land. The Application for Homeownership includes a section where you choose a preference for either north county or south county. (Ulmerton Road is the dividing line.) Once you have completed 100 hours of sweat equity, we will meet with you to review available locations.

The length of time it takes to complete the program varies and is really dependent on how quickly you can meet your requirements. You must attend 16 homeownership classes, complete 350 to 450 sweat equity hours and save for closing costs ($1000) and for your first year’s insurance (approximately $1,000 to $1,500). On average, homeowner candidates take one year to complete our program. Some candidates have done it in half that time, and others have taken two or more years. To keep you on track, you are required to put in a minimum number of hours each month and attend at least two classes each quarter.

Because of volunteer labor and donations from organizations and individuals, Habitat homes are sold to homeowners at no profit. Also, they are financed with a zero-interest, 25- to 35-year mortgage.

The cost of your mortgage payments will depend on the value of the land and the size of the home. This cost includes property taxes and homeowners' insurance.

Sweat equity is an exciting cornerstone to the Habitat program. Hours can be earned by volunteering on our construction sites, in the Habitat office and at Habitat’s ReStore.

step 3

how to apply


After you have reviewed the links in step 1 and step 2:
Complete the Homeowner Pre-Qualification Form.



Your form will be reviewed and scored. If your score is high enough, you will be invited to a Homeowner Orientation, where you will be given an Application for Homeownership.



Complete your Application for Homeownership, gathering the appropriate documents. A processing fee of $25 will apply to one-applicant submissions and a processing fee of $35 will apply to two-applicant submissions.



Once you submit your completed application, our Homeowner Services Committee will review your information. We will verify employment and other sources of income, have a credit/background check done and ask you for credit references. Your long-term debt, including your expected Habitat housing cost, must be below a certain threshold. (The review process may take two to three months.)



A home visit and interview is part of the selection process.

step 4

once you are approved

You will be asked to sign a Covenant, or Partnership Agreement, which states the specifics of the program and your roles and responsibilities.

Sweat equity begins. Single-adult households are required to complete a minimum of 350 sweat equity hours. Multiple-adult households are required to complete a minimum of 450 sweat equity hours. Homeowner candidates work in the office and on other families' homes, before starting their own home.

You must complete 16 homeownership classes and contribute $1000 toward closing costs. This is accomplished with monthly payments of $80. You will also be required to have homeowners insurance paid in full at the time of closing (a cost of approximately $1,000 – $1,500).

The Habitat for Humanity of Pinellas County Homeowner Education Program is presented by