Since 1993, we have helped people invest in themselves and their communities through affordable homeownership.

In accordance with Federal Fair Lending Laws, Warren County Habitat for Humanity does not maintain a waiting list of applicants and does not discriminate on the basis of race, color, national origin, religion, sex, handicap, or familial status. The number of applicant households approved for Warren County Habitat’s home ownership is driven by the availability of developed properties. We invite interested applicants to apply during an application cycle. NOTE: We do not accept applications on a rolling basis

How Does it Work?

Warren County Habitat for Humanity sells homes to income-eligible households. Our homes are sold at no profit, with an interest-free mortgage. Approved homeowners qualify for a monthly mortgage payment (principal, property tax, insurance, and HOA fee if applicable) equal to less than 33% of their monthly income. This investment in affordable homeownership strengthens our communities and families and revitalizes local neighborhoods.

Homebuyers Club

Participating in WCHFH’s Homebuyer’s Club is the first step in the Habitat home application process.

The Homebuyers Club is a series of informational classes on financial readiness, mortgage and insurance services, household management, financial planning, homeownership, and home maintenance.

In addition, the Homebuyers Club provides an opportunity for potential Habitat homeowners to review their financial status with a mortgage or finance professional to begin addressing any issues that might be preventing them from attaining home ownership.

Information on the next Homebuyers Club will be available in August, with workshops beginning in the fall.  The club meets weekly for 12 weeks.  If you have any questions, please contact us at (540)551-3232 or [email protected]

How Long Does it Take?

The homeownership process, from the time of family selection through construction and sweat equity, can take up to two years.

What is an Application Cycle? 

Applications for Habitat homeownership are only accepted during an application cycle. WCHFH tries to hold at least one application cycle each year. The application cycle will be open to those who have completed the WCHFH Homebuyers Club program.

What is Sweat Equity?

Sweat equity is part of Warren County Habitat for Humanity’s foundation. It is the volunteer labor that Warren County Habitat homeowners contribute to building their own homes or other Habitat homes, and the time they spend in financial and homeowner education courses. Homeowners begin working on sweat equity after they are selected as future Warren County Habitat homeowners and must complete their hours before they move into their new homes.


Do You Meet the Requirements?

  • Applicant(s) has not owned a home within the past three years.
  • Household must have lived together consistently for the past 12 months.
  • Applicant(s) cannot qualify for a conventional mortgage loan.
  • Household’s annual gross income is no more than 60% of the area median income (AMI) and no less than 30% of the area median income (AMI).


Number of Family Members 1 2 3 4 5 6 7
30% of median $17950 $20500 $23050 $25600 $27650 $29700 $31750
60% of median $35880 $41040 $46140 $51240 $55380 $59460 $63540
Updated 6/3/2021