Homeownership Program
NEW Habitat Homeowner 2024
NEW Habitat Homeowner 2025!!
Our Homeownership Application Program
will be opening in 2026!
We are not accepting applications for homeownership at this time.
More to follow beginning January 5th, 2026.
Keep checking our website, www.valdostahabitat.org and our social media pages (Facebook, Instagram and X) for updates.
In the meantime, refer to the homeownership section below, to determine if you meet basic qualifications for home ownership with
Valdosta-Lowndes County Habitat for Humanity.
Basic Eligibility
Requirements
The steps below assess qualification and selection for our homeownership program.
Am I Eligible to apply for a Habitat Home? Read and answer the questions below to determine if you
meet the most basic eligibility requirements.
If you can answer YES to all questions, you meet the most basic requirements to apply for a home during an
open application period. These six items alone do not ensure acceptance into the program, as there are many other factors taken into account with an application. If you cannot answer YES to all these questions, you are NOT eligible for a Valdosta-Lowndes County Habitat home.
- My home of residence is in Lowndes County, GA.
- I am a legal resident of the United States.
- I can prove I have employment/retirement, income, and low debt to qualify.
- I am willing to partner with Valdosta-Lowndes County Habitat for Humanity and will participate in a home site visit, will complete the required sweat equity hours, and attend homebuyer education courses.
- If I have been in Bankruptcy, I have been discharged for no less than three years.
- My income falls between the minimum and maximum of the area median income as set forth by HUD. To determine if you fall within the range, use the income calculator below.
Income Table and Calculator
- Determine your gross yearly income (before taxes).
a. Include the following forms of income that you receive from all family members that live at home.
- Wages, salary, etc.
- Social Security
- Disability income
- Child Support (optional)
- You may add other forms of verifiable income if you need to increase your earnings amount.
2. You can use the wage calculator below to convert your earnings to determine your gross annual income.
3. Compare your income to the figures from the chart below for your family size. If your income falls between the minimum and maximum
numbers for your family size, you meet basic income requirements to apply.
Examples for a family of 4
Gross income of $27,000 per year, income is too low, does not meet requirements.
Gross income of $55,000 per year, income is too high, does not meet requirements.
Gross income of $32,500 per year, income is within the range, meets requirements.
Number of People
| Number | Minimum | Maximum of Median Income |
|---|---|---|
| Family of 1 | $21,560 | $37,730 |
| Family of 2 | $24,640 | $43,120 |
| Family of 3 | $27,720 | $48,510 |
| Family of 4 | $30,800 | $53,900 |
| Family of 5 | $33,280 | $58,240 |
| Family of 6 | $35,720 | $62,510 |
| Family of 7 | $38,200 | $66,850 |
| Family of 8 | $40,640 | $71,120 |
These numbers are based on a median income for a family of one through eight in Valdosta-Lowndes County, GA.
Ensure you include all forms of income in the wage conversion calculator to determine accurate median income.
*Income limits are subject to change.
Applications & Process
Applications
Valdosta – Lowndes County Habitat for Humanity opens the homeownership application process on an as needed basis, as homesites and funding become available. Open application periods are posted on this web site and our Social Media pages: Facebook, Instagram and X, please check back often. Specific instructions for the application process will be available at that time.
* Applicants that meet eligibility guidelines shown above, will need to complete and submit an application in the allotted time.
*** Potential new homeowner applicants must attend a homeowners orientation in order to receive an application for the homeownership program.***
***Orientation dates to follow***
Our Process
The Family Selection Committee reviews all applications, vetting them according to need, ability to pay, and willingness to partner in order to determine if the family meets the minimum requirements. The steps we take to assess qualification and selection are in accordance with Habitat for Humanity International’s homeownership policy.
***Additional application steps will be provided at the homeowner orientation.***
