Homeownership

Become a Habitat Homeowner

Shelter is the fundamental need of all people. We believe that everyone deserves a safe, decent, affordable place to call home.

Our homeownership program provides opportunities for low-income individuals and families to increase their independence and economic well-being through affordable homeownership.  We encourage interested persons to see where we’re currently building  and to review program qualifications on our Application Information page.

For more information about the homeownership program, please contact our office at 715-425-5623.

You can help us spread the word about our program and break some of the common misunderstandings about homeownership through Habitat:

We don’t give homes away! Our organization collects the same information that mortgage companies use to qualify applicants for a mortgage. Our families pay a mortgage and property taxes on their homes. Applicants must show proof that they are capable of affording a mortgage payment.

Families who qualify for our program have stable incomes. The notion that St. Croix Valley Habitat provides homes for families who earn an income equal or less than the poverty line is not really true. Poverty level income is not enough to afford a home through Habitat.

How does the homeownership program work?

  1. Download and complete the Homeowner Application located on our Application Page and send it to our office or bring it in.
  2. Applicants must meet specific requirements in order for their application to be considered:
  3. A need for housing, which means currently housing conditions are substandard, overcrowded, unsafe, or too expensive in relation to a family’s monthly income.
  4. The ability to pay a monthly mortgage with a demonstrable history of income.
  5. A willingness to partner. Partner families must fulfill 250 sweat equity hours of volunteer work per adult living in the house.  This is done by working on our construction sites (working on their home and other partner families’ homes), working at our ReStore, and participating in required workshops and educational classes.
  6. Applicants who appear to meet the requirements of the program are forwarded to St. Croix Valley Habitat’s Family Selection Committee for review. Habitat conducts a home visit and personal interview with families recommended by the committee to learn more about a family’s current living situation in order to assess their need for housing and to answer any additional questions the family might have about Habitat.
  7. Once approved, the selected family and St. Croix Valley Habitat sign a “Partnership Agreement.” Because there are many more applicants than available homes or funding, the Family Services Committee will select families and individuals who meet all of the qualifications and who have the greatest need for housing, as well match the house to be built.

Already own your home but need help?  Our A Brush with Kindness program provides affordable exterior home repairs for low-income homeowners in Pierce and St. Croix counties who are affected by age, disability or family circumstances. St. Croix Valley Habitat for Humanity homeowners can reclaim their homes with pride and dignity with affordable repairs including painting, landscaping and accessibility improvements. We support homeowners wishing to stay in their own homes.  More information can be found on our Neighborhood Revitalization page.


Due to the nature of Habitat’s program requirements, we cannot help families in emergency situations.  Persons needing immediate housing assistance are encouraged to call Our Neighbors’ Place (715-426-9000) or the Salvation Army – Grace Place (715-246-1222).