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We follow a nondiscriminatory policy of homebuyer selection and are accountable to mortgage lending laws.
Habitat for Humanity does not give away houses; instead, future homeowners build alongside us and volunteers to build or rehabilitate a home in a place they love to live. Habitat for Humanity increases access to affordable homes and affordable credit, especially among people locked out of the housing market.
A decent home gives us the space and stability we need to be healthy, resilient and build the life we choose — whether that’s creating community, building wealth or raising a family.
Basic Requirements
- Must have lived or worked in our service area for at least a year (east or central Pasco County)
- Must be a US citizen or permanent resident
- Have two years of verifiable income and/or ability to repay an affordable mortgage
Income Requirements
| Number of people living in the home | Minimum yearly income | Maximum yearly income |
|---|---|---|
| 1 person | $32,000 | $58,450 |
| 2 people | $32,000 | $66,800 |
| 3 people | $32,000 | $75,150 |
| 4 people | $32,000 | $83,450 |
| 5 people | $32,000 | $90,150 |
| 6 people | $37,000 | $96,850 |
| 7 people | $41,000 | $103,500 |
| 8 people | $46,000 | $110,200 |
*Subject to change (last updated April 2025)
Explore the homeownership program
Thank you for your interest in working with Habitat for Humanity for your homeownership journey. Below, you’ll learn how Habitat for Humanity partners with people, families and individuals.
Where we build
Our service area includes Pasco County east of the Suncoast Parkway, we have built in areas such as: Zephyrhills, Dade City, Wesley Chapel, Land O’ Lakes, Spring Hill, Crystal Springs, and Lacoochee.
Benefits of building your home with Habitat for Humanity of East and Central Pasco County:
- Affordable mortgage – predictable payments that fit your budget
- Path to homeownership – stability and security for your family
- Financial independence – invest in your future, not rent
- Generational wealth – build equity to pass on
- Water Star® certified home – designed for water efficiency
- Fortified construction standards – stronger, safer homes
- Homebuyer education – tools and training for successful ownership
- Whirlpool® ENERGY STAR® appliances – quality and energy savings
- Home warranty included – peace of mind after move-in
