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Habitat for Humanity Okaloosa County makes homeownership possible and affordable for hard-working families who otherwise would find themselves trapped in deplorable conditions.  They are able to gain the independence, security and financial stability that homeownership provides along with a sense of pride as they become a part of safe, thriving communities.

There are no categorical barriers to obtaining housing through Habitat, including race, color, religion, gender, handicap, familial status or national origin.

The first step towards qualifying for a home is to meet the basic
Pre-Qualifications and submit the required information to the Habitat office.

The basic criteria to qualify for a Habitat home starts by living or working in Okaloosa County for at least one (1) year.  In addition, applicants must demonstrate:

Need for Housing

  • Unhealthy or unsafe living conditions - landlord is not maintaining property
  • Overcrowding
  • Living with friends or family because you cannot afford to live on your own
  • Receiving government assistance of Section 8 or live in public housing
  • Unable to afford rent increases any longer

Willingness to Partner

  • Willingness to complete 300 hours of "sweat equity" per adult
  • Participate in homebuyer educational workshops

Ability to Pay

  • Must have stable income for at least one (1) year
  • Make a down payment of $500
  • Owe less than 50% of your monthly income on expenses
  • No bankruptcy in past three (3) years
  • Acceptable credit payment history

Annual Gross Income Required to Qualify

Family Size Minimum
Income Required
Maximum
Income Eligible
One $14,350 $38,300
Two $16,400 $43,800
Three $18,450 $49,250
Four $20,500 $54,700
Five $22,150 $59,100
Six $23,800 $63,500
Seven $25,450 $67,850
Eight $27,100 $72,250

We have temporarily closed applications for home applicants due to our upcoming construction and the length of our waiting list. Please check back with us at a later date when we will re-open applications to potential new homeowners.

Qualifications for the program are based on need for housing, income requirements based on area median guidelines, credit history and partnership. Interested applicants should download the Pre-Qualification Application and review if they meet the minimum standards. If you do, please fill out the application and submit it to the Habitat office to get started.

If you know someone who could possibly qualify for the Habitat program, share this information with them. Become an advocate for Habitat Okaloosa, you are the outlets we need to reach those in need within our own neighborhoods. Spead the word, share the link, encourage others to take a chance to see if they are eligible for a life changing movement in the lives of their family.


How It Works

The "American Dream" of homeownership becomes a reality for families in need through the work of Habitat for Humanity Okaloosa County. Our nonprofit prides itself on being a hand up for our families and not a handout. In addition to paying reduced monthly mortgage payments, homeowners invest hundreds of hours of their own labor - "sweat equity" - into building their home and the homes of others.

Habitat for Humanity Okaloosa County relies on donations from corporations, foundations, churches, government entities and individuals to build homes. In return, the homes that are built with this money are sold to each new homeowner and financed with a 30-year interest-free mortgage. The principal portion of the mortgage payments are placed in a revolving fund to build more new homes.