Apply for a Habitat Home

Scroll to the bottom to apply!

We believe that everyone should have a safe, affordable place to call home. To carry out our vision, we partner with individuals and families from application through construction to when the keys are handed over.

By working with us from beginning to end, we can help prospective individuals prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and much more.

Habitat’s path to homeownership is an important and in-depth process, requiring hard work, time and dedication. But this helps to ensure the long-term success of Habitat homeowners.

How to Qualify for a Habitat Home

Habitat homeowners must be active participants in building a better home and future for themselves and their families. Every Habitat home is an investment. For us, it is one answer to a critical need, and we believe that stronger homes will create stronger communities.

  • Prospective Habitat homeowners must demonstrate a NEED for safe, affordable housing.
  • Once selected, Habitat homeowners must PARTNER with us throughout the process. This partnership includes performing “sweat equity,” or helping to build your own home or the home(s) of others in our homeownership program. Sweat equity can also include taking homeownership classes or performing volunteer work in our Habitat ReStores.
  • Homeowners must also be able and willing to PAY an affordable mortgage. Mortgage payments are cycled back into the community to help build additional Habitat houses.

Sweat Equity

Sweat Equity is a term used often when talking about the creation or building process. It’s about doing the work, the hard work, to bring an idea to life. That work becomes an investment in the project. It can be an investment as real as money or land.  

At Habitat for Humanity of Mahoning Valley, Sweat Equity is a new homeowner investing in their home or one for another family. It’s not a form of payment, but an opportunity to work alongside volunteers who give their time to bring to life a family’s dream of owning a home. Throughout the process of purchasing their home, Habitat partner families can earn sweat equity credit as they learn about their mortgage, insurance, maintenance, safety and more.

It is a central principle in Habitat’s mission of building community and partnering with families to provide “a hand up, not a handout.” Providing the opportunity for our future homeowners to work alongside volunteers and future neighbors to build their homes is one of the most unique, empowering and rewarding aspects of Habitat for Humanity.

Once you are approved by the Board of Directors to become a part of our Home Ownership Program, you must complete the required number of Sweat Equity hours at a Habitat construction site or in one of our ReStores. It’s important for future homeowners to give consistent, active participation in working towards the required Sweat Equity. In fact, most families exceed the minimum required hours (250-500 hours, depending on household size). Friends and family may also help a future homeowner by volunteering with Habitat and donating their hours to help fulfill the requirement.

Necessary Documents 

*This section is only if pre-application is approved.* 

  • Copies of the most recent income tax return (1040, 1040A, etc.)
  • Copies of the last three months pay stubs
  • Copies of the last three months credit card statements
  • Copies of the last three months utility bills
  • Copy of alimony (if received)
  • Copy of Social Security or disability benefits (if received)
  • Copy of child support on all children (if received)
  • Copy of any other income information (if applicable)
  • Copy of rental agreement

Income Ranges

*This is based on 2022 HUD Boardman-Youngstown-Warren data.* 

Number in Family

Income Range
$13,950 --- $37,150
$17,420 --- $42,450
$21,960 --- $47,750
$26,500 --- $53,050
$31,040 --- $57,300
$35,580 --- $61,550
$40,120 --- $65,800
$43,800 --- $70,050

Volunteers welcoming the Elliott family into their new Habitat home

Volunteer and homeowner hugging

Family standing on the front porch of their new home

Can Anyone Apply to be a Habitat Homeowner?

Yes. Habitat follows a nondiscriminatory policy of homebuyer selection. Neither race nor religion is a factor.

How Do You Apply for a Habitat House?

1. Print the pre-application form by clicking button below and mail it in to 1919 E. Midlothian Blvd, Youngstown, OH 44502. 

Email or call the Director of Family & Volunteer Services, at 330-743-7244 x110 with any questions. 

Become a Habitat Homeowner

Habitat for Humanity of Mahoning Valley is currently not accepting new applications for home ownership. Please check back for the next open application period.