Become a Habitat Homeowner

Owning a safe, affordable home can change the future of a family—and Habitat for Humanity of Schenectady County is here to help make that possible.

We partner with hardworking individuals and families who are ready to take the next step toward homeownership. Through affordable mortgage financing, financial education, and hands-on partnership, we help make the dream of owning a home an achievable reality.

Habitat homes are not free. Each home is newly built or thoughtfully renovated by skilled staff and dedicated volunteers, then sold to qualified homebuyers through an affordable, low-interest mortgage. Along the way, future homeowners complete educational workshops and partner with Habitat to prepare for the responsibilities and rewards of owning a home.

If you would like to join our homeownership program interest list, please email your name, phone number, and email address to [email protected].

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Need for Affordable Housing
Current housing no longer meets your family’s needs.

Willing to Partner
You’ll complete sweat equity hours, attend educational workshops, and help build alongside volunteers.

Ability to Pay
You can qualify for an affordable mortgage and meet income guidelines.

Why Choose Habitat?

Habitat is more than a homebuilder—we’re your partner on the path to homeownership. Through affordable mortgages, education, and hands-on support, we help families build a strong foundation for the future.

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Affordable Mortgage

Purchase your home through an affordable, low-interest mortgage with monthly payments designed to fit your budget.

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Partnership

Work alongside volunteers and future neighbors while completing sweat equity hours.

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Homebuyer Education

Gain the financial knowledge and confidence needed for long-term homeownership success.

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A Stronger Future

Build stability, create equity, and invest in your family’s future.

Current 2025 Income Limits (2026 Numbers Coming Soon!)

Median Family Income		Persons in Family
Median Family Income		1	2	3	4	5	6	7	8
	Very Low (50%)	40,650	46,450	52,250	58,050	62,700	67,350	72,000	76,650
	Extremely Low Limits (40%)	32,525	37,175	41,825	46,450	50,175	53,900	57,600	61,325
	Low (80%) Income Limits	65,050	74,350	83,650	92,900	100,350	107,800	115,200	122,650

We are currently closed for applications. Our latest application cycle ended on April 7th, 2026. All applicants will be notified regarding their eligibility.

If you have any questions, reach out to [email protected]

Every affiliate of Habitat for Humanity follows a non-discriminatory policy of family selection.
Neither race nor religion is a factor in choosing homeowners families.