Decent shelter is something we all need to thrive

Decent shelter is something we all need to thrive

Housing Program

Habitat for Humanity of North Idaho has been providing a hand up for Kootenai County families in need of decent, affordable housing since 1988. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage. With your help, Habitat homeowners achieve the strength, stability and independence they need to build a better home for themselves and their families.

Housing Program FAQs


What is the Housing Program?

Habitat for Humanity of North Idaho is the local Habitat Affiliate serving low-income residents of Kootenai County. We build new construction housing using volunteer labor and other community support in order to provide affordable housing opportunities.

What kind of housing do you build?

As the cost of land and building materials has increased in Kootenai County, it’s been necessary for us to find more ways to keep the final cost per housing unit from rising. We are now building condo-style housing in order to prevent the cost per housing unit from increasing any more than it has to. Condos provide homeownership opportunities but require common areas outside each unit to be shared by all owners in a condo development.

What do I have to do to get housing from Habitat for Humanity of North Idaho?

The housing program requires Sweat Equity from every adult in your family, but your kids can help too. Each adult will volunteer at the build sites, take financial education, attend first-time homeowner education classes or webinars, and other volunteer activities totaling 250 hours. You must be able to qualify for a mortgage to buy your home from Habitat, so you must demonstrate reasonable work and credit history.

Who qualifies for the new construction Housing Program?

You can use the chart above to find the minimum and maximum income requirements for the program based on your family size. We prioritize families below 60% of Area Median Income, but if there are enough opportunities families up to 80% of Area Median Income may be approved. 

NMLS ID# 1672570

Non-Discrimination Policy: Habitat commits to treating all applicants in an equal manner. The following attributes will NOT factor into any action for the Habitat homeownership program, including information-sharing, distributing applications, advertising or evaluating applications: race, color, national origin, religion, sex, familial or marital status, disability, sexual orientation, age (provided the applicant can legally enter into a contract), income derived from public assistance, or a consumer who has, in good faith, exercised any right under the federal Consumer Credit Protection Act.