Selection Criteria

As we are an affiliate residing in Hernando County, we have a selection criteria based off of Habitat for Humanity International and Housing and Urban Development (HUD) for our Homeownership Program. Our criteria is based off of five major categories;

  • Following of HUD guidelines
  • Debt to Income Ratio
  • Being a First-Time Homeowner
  • Willingness to Partner with Habitat
  • Resident of Hernando County for more than 12 months
HUD provides guidelines for our organization to follow. We accept income that is between 30% and 80% of the median income of Hernando County as a whole. Below is the monthly income that we accept. If you call between the minimum and maximum monthly income, you may be applicable for a Habitat home.
We also look for need of the family, ability to pay the mortgage, and willingness to partner with Habitat. We also run a credit report and background check. 

If shelter is not permanent or the residence is inadequate for the family then there is need.

Overcrowded, substandard housing is an example of need that is acceptable by Habitat for Humanity of Hernando County.

In order to be applicable for a Habitat home, your income must fall within the guidelines provided by HUD. 

Habitat homeowners work on their own homes as well as homes for others through sweat-equity hours. Sweat-equity allows our partner families the opportunity to work on their own homes and work alongside their neighbor. Sweat-equity hours can also be completed in our ReStores and in our office.

We do a credit report and background check on all of our applicants. In order to do this we require a $30 payment for each applicant in order to pay for the credit report. (e.g., A single applicant would pay $30 while a dual applicant would be paying $60.)

We are unable to accept applicants who are convicted felons or sex offenders. If in the case there has been any charges made against the applicant, we require paperwork explaining the charge. 


Family SizeMinimum Monthly IncomeMaximum Monthly Income
1 Person$1,171$3,121
2 People$1,410$3,567
3 People$1,778$4,013
4 People$2,146$4,459
5 People $2,515$4,817
6 People $2,883$5,175
7 People $3,251$5,530
8 People $3,620$5,888
9 People REFER TO HUD$6,244
10 People REFER TO HUD$6,601

Applicants who feel they qualify should apply for one of our orientations. We will be hosting orientations on the last Thursday of every month. For more information, please contact the office at 352-754-1159 or by email at

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