Housing Help

Home Buyer Selection & Qualification.

Please note that we accept applications only during our open application period. Habitat Monterey Bay opens a new application period prior to the start of construction for each project. We do not accept applications on an open or continuous basis.


How to qualify for a Habitat home.

Habitat Monterey Bay selects families based on three criteria:  

  • Need for improved housing

  • Ability to pay an affordable mortgage

  • Willingness to partner with Habitat for Humanity

Need: Families must demonstrate a significant need for improved housing, such as:

  •  Housing costs exceed more than 30% of your monthly income.

  • Your living conditions are overcrowded, unhealthy, or unsafe.

  • If living in subsidized housing, you may be eligible.


Ability to Pay: In order to purchase a Habitat Monterey Bay home, a family’s source of income must be steady, verifiable and meet the following qualifications:

  • Able to pay a long-term mortgage, pay 1-2% in down payment and closing costs. 

  • Gross income (before taxes) for all family members who reside in the home will be reviewed.  

  • Must live or work in the County in which the home is built, Santa Cruz or Monterey.

  • Family’s gross annual income, based on household size must fall within the range listed below:


Willingness to Partner: Partnering with Habitat Monterey Bay means you will agree to attend classes, participate in events, be an advocate for Habitat Monterey Bay, and complete 500 (volunteer) hours of sweat equity. Sweat equity provides you with the opportunity to work alongside volunteers constructing your future home. Construction experience is not necessary. Partner households must complete 500 hours of sweat equity after they are approved.

For more information please contact Habitat's Family Services staff at:


Phone (831) 469-4663 ext. 12

Email familyservices@habitatmontereybay.org

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Habitat for Humanity Monterey Bay

Building Affordable Housing in Santa Cruz County and Monterey County

108 Magnolia Street

Santa Cruz, CA 95062

(831) 469-4663

© 2020 Habitat for Humanity Monterey Bay

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