Home Ownership

Habitat for Humanity Kingston & Frontenac's main purpose is to build affordable housing and promoting homeownership as a means to breaking the cycle of poverty.

The three criteria to qualify for a Habitat home are (1) Need for affordable housing, (2) Ability to repay a Habitat mortgage and (3) Willingness to partner with Habitat.

• Need for affordable housing is defined by a family whose existing living conditions are inadequate in terms of structure, cost, safety or size. The ratio of shelter expense to total income is also factored (paying a large percentage of your income to rent). 
   
• Ability to repay a Habitat mortgage requires that the family has a stable income sufficient to cover the monthly mortgage payments and other expenses that come with home ownership including property taxes, utilities, insurance, home maintenance, etc. Qualifying families have a $30,000 - $55,000 gross income total from all sources. 
   
• Homeowners must demonstrate a willingness to partner with Habitat by contributing 500 hours of volunteer labour ("sweat equity") towards the building of their and/or others home.

Families are chosen on the basis of the above criteria. Family selection occurs by way of an application process. If you are interested in applying for a Habitat for Humanity Kingston & Frontenac home, you can call 613-548-8763 or email office@habitatkingston.com for more information.