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 $500 application fee (make payments)
  • Owe less than 40% 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





















We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, national origin, or any other protected status.

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Fort Walton Beach
Mon-Fri 10am-6pm
Sat 9am-5pm
(Closed Sun)
39 Eglin Parkway SE
(850) 685-0686
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Tues-Fri 10am-6pm
Sat 9am-5pm
(Closed Sun & Mon)
595 N Ferdon Blvd
(850) 685-0686
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