Apply NOW for our 2021 builds. 

Qualifying Criteria

We choose households on three main criteria:

1.  Need for Housing – your current housing is inadequate in some way or you’re paying too much of your income for rent.

2. Ability to Pay – you must be able to pay a mortgage that includes principal, interest, taxes and insurance.  Your household income needs to be at least $30,000/annually and not more than $68,700 which is 35-80 percent of Area Median Income (AMI).  Even if your income is in that range, you are not guaranteed to be selected for our program.

3. Willingness to Partner – our families aren’t customers or clients – they are our partners! You must be willing to contribute hours of sweat equity (time building your home) and be ambassadors of our program.

Are you ready to apply to Habitat? 

We are not meeting with people in person because of COVID-19.

Sign up to talk with Cheri, our Community Engagement Coordinator, HERE.  Sign up for a time to talk with Cheri by phone.  She’ll explain to you the process and the next steps to move forward with homeownership with Rice County Habitat for Humanity.

Rice County Habitat for Humanity will take appropriate steps to ensure that persons with disabilities, including persons who are deaf, hard of hearing, or blind, or who have other sensory or manual impairments, have an equal opportunity to participate in our programs.

Are you hearing impaired?  We have interpreters that can assist at an in-person Informational Meeting.  Please indicate to Habitat staff that you need an interpreter.  You can send Cheri a message here:   send her a message.

Rice County Habitat for Humanity will take reasonable steps to ensure that persons with Limited English Proficiency (LEP) have meaningful access and an equal opportunity to participate in our programs.

Do you need an interpreter?  Contact Cheri through this LINK and request one.

Habraatka Rice County Habitat ee Xuquuqul Insaanka ayaa qaadi doonta tillaabooyin macquul ah oo lagu hubinayo in dadka leh Aqoonta Ingiriisiga Xaddidan leh (LEP) ay leeyihiin marinno macno leh iyo fursad loo wada siman yahay oo looga qaybgalo barnaamijyadayada.  Wac Sabaax,

Hábitat para la Humanidad del Condado de Rice tomará medidas razonables para garantizar que las personas con dominio limitado del inglés (LEP) tengan un acceso significativo y una igualdad de oportunidades para participar en nuestros programas.
Llama a Joann a Three Rivers,

Loans May Have Interest

In November 2015, the Rice County Habitat for Humanity Board of Directors passed a policy that states every family that applies with us must also apply to the US Department of Agriculture Rural Development 502 Director Loan program. This loan program includes an interest payment. If approved with the Rural Development program, the household may use that interest bearing loan to finance a home with Habitat for Humanity if approved.  You must be willing to utilize this loan with interest.  Read more ….

Other Information

How much can you afford? It is considered affordable if you pay no more than 30% of your gross income for housing. Find out what is considered affordable to you based on your wages.

Other factors:  all household members must be documented residents; you must currently live in Rice County and have lived here for at least one year or have worked in Rice County for at least 1 year.

Do you have Pay Day Loans?

Pay Day Loans can lead to a debt trap that you can’t escape from.  If you need help, please reach out to Exodus Lending – a resource to help Minnesotans!  Rice County Habitat for Humanity does not officially endorse or partner with Exodus Lending.  We’re just providing the information to readers as a resource.