Flagler Habitat
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We are not currently accepting applications. Our enrollment period for 2025 has been closed, please check back in Fall of 2026.
Homeownership
Flagler Habitat for Humanity, Inc. selects its Partner Families based on three basic criteria:
1. Need
You will be considered for a Flagler Habitat for Humanity home if your present housing is inadequate and if you are unable to obtain housing through conventional means. Lack of adequate housing may include problems with the present structure: water, electrical or sewage service systems; heating system; or failure to meet city property maintenance standards. Also taken into consideration are the make up and size of your family compared to the number of bedrooms in your home.
The percentage of your monthly income that you currently spend on housing is considered to determine need. You will be required to openly and fully discuss your financial situation with a Habitat interviewer.
You must currently live in Flagler County, Florida and have been a resident of Flagler County for at least one year.
| Family Size | Minimum Annual Income | Maximum Annual Income |
|---|---|---|
| One | $32,480.00 | $51,968.00 |
| Two | $37,120.00 | $59,392.00 |
| Three | $41,760.00 | $66,816.00 |
| Four | $46,400.00 | $74,240.00 |
| Five | $50,112.00 | $80,179.20 |
| Six | $53,824.00 | $86,118.40 |
| Seven | $57,536.00 | $92,057.60 |
| Eight | $61,248.00 | $97,996.80 |
| Nine | $64,960.00 | $103,936.00 |
| Ten | $68,672.00 | $109,875.20 |
| Eleven | $72,384.00 | $115,814.40 |
| Twelve | $76,096.00 | $121,753.60 |
2. Ability To Pay
You and your family will be considered if your total income is between the minimum and maximum amounts listed on the ability to pay chart.
Since you will actually be buying your home from Flagler Habitat for Humanity, Inc., you must demonstrate your ability to make the monthly mortgage payment, including a history of an ability to meet financial obligations, no less than $800.00 per month. For example, making regular monthly rent and/or utility payments that are in your name or making and saving regular monthly deposits in your bank account to reflect an ability to pay such expenses.
Your payment will include not only the mortgage payment, but also the payment for real estate taxes and insurance. We will help you to determine if this payment will jeopardize your ability to meet all of your other family financial obligations and expenses. We can also help you to develop a budget to determine your eligibility.
3. Sweat Equity
When selected you become a “partner family” in the Habitat movement. Your assistance in the construction of your home and the homes of others is called “sweat equity” and may include specific courses for new homeowners, clearing the lot, painting, helping with construction, providing food for volunteers, or working in the Flagler Habitat for Humanity office or ReStore. To become a “partner family” you must complete 250 hours per adult of volunteer work with Flagler Habitat for Humanity which will count toward your total “sweat equity” contribution to be completed before becoming a homeowner.
You will be responsible for maintenance of your house from the time you move into your home. This includes interior and exterior repairs as well as proper yard maintenance.
You will be responsible for repaying the purchase cost (with no interest) of your home in a timely manner so that other families can benefit from the Habitat for Humanity program. In addition you will be responsible for paying, through an escrow account that is part of your monthly payment, the yearly property taxes and the cost of homeowner’s insurance on an annual basis.
General guidelines to apply for Flagler Habitat Homeownership opportunity
___ I have a housing NEED
___ I have lived in Flagler County more than 1 year
___ I am single, married, divorced or widowed but I am NOT separated
___ My income falls between the minimum and maximum based on family size in the Ability to Pay chart
___ I have been employed for the past 6 months or have another steady source of income
___ I can demonstrate a history of an ability to meet financial obligations
___ I have not claimed bankruptcy in the last 3 years
___ I have not had a foreclosure in the last 3 years
___ I understand the sweat equity requirements
___ I am willing to do the required sweat equity hours towards homeownership
___ I am willing to complete a minimum of 20 hours of sweat equity a month toward my hours.