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How to Qualify

do you qualify?

As active participants in building a better future for themselves and their families, Habitat applicants must meet the income guidelines (see chart below for income guidelines). They must also demonstrate:

a need for housing
Applicants accepted into the Homeownership Program struggle with housing that is inadequate. Inadequate housing is often one or more of the following: unsafe, unaffordable, unhealthy or inaccessible. Need is established based on a variety of factors, including, but not limited to: the condition of current housing, space considerations, and cost burden.

a willingness to partner with us
Approved applicants must demonstrate their willingness to partner with Habitat by investing sweat equity in their home. Homeowners will put in 200-300 hours of sweat equity prior to moving into their home. Hours can be completed by working on the build site, attending first-time homebuyer classes, volunteering at Habitat events, etc.

the ability to pay a long-term mortgage
Habitat homes are not given away. Approved applicants will pay an affordable long-term home mortgage. Households must demonstrate steady income and must meet income criteria. Habitat homeowners purchase their home. We secure affordable financing and create a payment plan that ensures homeowners do not spend more than 30% of their monthly income on housing costs.

income guidelines:

Dubuque County (maximum household income)

1 person         $45,550
2 person         $52,050
3 person         $58,550
4 person         $65,050
5 person         $70,300
6 person         $75,500
7 person         $80,700
8 person         $85,900

Jackson County (maximum household income)

1 person         $25,914
2 person         $29,616
3 person         $33,318
4 person         $37,020
5 person         $39,982
6 person         $42,943
7 person         $45,905
8 person         $48,866


Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age; because all or part of the applicant’s income derives from any public assistance program; or because the applicant has exercised in good faith any right under the Consumer Trade Commission, Washington, D.C. 30580

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, age, marital status, or sources of income.


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