Homebuyers are selected based on the following:

1. Need For Improved Housing

2. Ability To Qualify Plus You Must Work Or Live In The OC

3. Willingness to Partner With Habitat

1. Need

A need for improved housing must be evident:

  • Living in overcrowded, unhealthy conditions or an unsafe neighborhood.
  • Current housing costs are over 30% of your monthly gross income. (Gross income is your earnings before taxes are taken out.) 
  • Unable to purchase market rate home.

2. Ability To Pay

A homebuyer’s source of income must be steady, verifiable and meet the following qualifications:

  • Must be citizens or permanent residents of the U.S. and live or work Orange County.
  • Ability to pay a long-term mortgage, pay a 1-5% down payment and closing costs.
  • For all homes: A family’s annual gross income, based on household size, must fall within the range listed in the chart below.

3. Partner

Partnering with us means you agree to a one-time equity contribution, also called “sweat equity”. This is investing a commitment of time, not just money, into helping build our community.

What is the income limit for your household?

Income Limits for Habitat OC low Income Homes

People in household 1 2 3 4 5 6 7 8
Low Income
Minimum Income Required
$47,100 $53,800 $60,550 $67,250 $72,650 $78,050 $83,400 $88,800
Low Income
Maximum Income Allowed
$75,300 $86,050 $96,800 $107,550 $116,200 $124,800 $133,400 $142,000

Income Limits for Habitat OC Moderate Income Homes

People in household 1 2 3 4 5 6 7 8
Moderate Income
Minimum Income Required
$75,300 $86,050 $96,800 $107,550 $116,200 $124,800 $133,400 $142,000
Moderate Income
Maximum Income Allowed
$89,650 $102,450 $115,250 $128,050 $138,300 $148,550 $158,800 $169,050

Your credit report will be reviewed and should be in good standing. Our team will help explain what is needed to qualify during the orientation.

Concerned about your credit?

SparkPoint OC – Orange County United Way, a non-profit service that helps you learn how to reach financial stability. www.unitedwayoc.com. (714) 278-4679.

Operation Hope, a non-profit that provides tools and education on credit, money management and homeownership. www.operationhope.org. (657) 200-5073.


Family Services Department
Phone: 714.434.6200 ext.213
Email: familyservices@HabitatOC.org

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, or national origin.