About Habitat's Programs

Habitat in Fulton County, Ohio is accepting homeownership applications at this time.

Habitat for Humanity offers low-income families the opportunity to own a home. Becoming a Habitat homeowner requires commitment, responsibility and deep involvement.  The Habitat program is not a "quick fix" to an emergency housing problem.  Most partnerships are 6-24 months or longer before families move into their homes.

In order to partner with Habitat for Humanity of Fulton County, Ohio, you must meet or agree to the following criteria:

1. You must be a Legal Permanent Resident of the United States.
2. You must have lived or worked in Fulton County, Ohio for at least 12 months (limited exceptions may apply). 
   1. Affiliates for other vicinities can be found at habitat.org.
3. Your yearly GROSS income must fall within our income guidelines, which are adjusted for family size.  
   1. Income includes wages, Social Security, disability, SSI, TANF and child support* *(if applicant chooses to include it as an income source).
4. You must have one year of continuous income.
   1. If self-employed, minimum of 2 years of finalized tax returns must be submitted.
5. It must be at least two years since you discharged any bankruptcies, and you must be making payments on your debts.
   1. Credit reports will be reviewed.
6. You must have a need for housing because your current housing is:
   1. unaffordable, 
   2. unsafe, 
   3. overcrowded 
   4. not your own (you do not have your own residence, IE: living with family/friend).
7. You must partner with Habitat for Humanity and contribute "sweat equity," by:
   1. helping to build your home as well as other partners' homes, 
   2. working Habitat events and activities,
   3. completing education requirements and meeting regularly with Habitat Staff and your Mentor,
   4. submitting necessary documentation throughout the partnership, including income, expense, sweat equity and other partnership monitoring requirements, 
   5. volunteering in your local community.  
      1. All applicants and co-applicants must complete a minimum of 250 hours each. Habitat will assist you in setting up your educational requirements and finding community involvement opportunities that meet your schedule and capabilities.

The Habitat partnership is a Hand UP, not a hand out.  You will work for what you receive and Habitat will commit to helping you succeed by providing opportunity for a positive future for you and your family.

Habitat agrees to provide mentoring, education and sweat equity opportunities throughout the partnership and to sell Habitat homes to partners at low- or no- interest, which keeps the cost of your home more affordable than rent, in most cases.

How affordable?  In 2025, the current average rent in Fulton County, Ohio for a 3-bedroom unit is over $1300/month.  The average Habitat homeowner mortgage, including escrow for property taxes and homeowner's insurance is less than $550/month. *Averages change annually and are estimates only.  www.rentdata.org

Habitat hopes to partner with you! If you wish to apply, please Request an Application.