Own a Home

Through homeownership, Habitat for Humanity Capital District helps to develop and transform communities by building affordable and sustainable homes in partnership with lower-income families.


Interested in owning a home?

The first step is to complete an eligibility questionnaire, which will help determine your next step for a Habitat home.

Call (518) 462-2993 ext. 110 to schedule an appointment to complete an eligibility questionnaire at our office. You may also stop by our office (200 Henry Johnson Blvd., Suite 1, Albany) Monday through Friday, 9am to 4pm, to complete the questionnaire. At this appointment, you will have the opportunity to speak to a Family Services representative about any questions you may have.


How it works:

  • Through volunteer labor and donations of money and materials, Habitat builds alongside our homeowner partner families.
  • Habitat is not a giveaway program. Habitat houses are sold to partner families at no profit and financed with zero-interest mortgages.
  • Homeowners invest hundreds of hours of their own labor into building their Habitat house and the houses of others.



  1. Need for Adequate Housing – Factors considered are overcrowding, potential health hazards, and housing costs which are more than 30% of total monthly income.
  2. Ability to Pay for a Habitat Home – The family must be able to make monthly house payments as well as existing debt payments. If debt problems exist, the family must demonstrate the willingness and ability to resolve them. The family’s income must be 40-80%.  % of the median income for that family size in the Capital District.
  3. Willingness to Partner – A commitment to work on, or in support of, the supervised construction activities. Much of this time is generally spent on-site in construction: time may also be contributed through office work, committee work, or other support activities. A certain amount of the “sweat equity” commitment of 350 hours can be shared by family and friends.
  4. Residence – The family must have lived or worked in the Albany County, Rensselaer County or Southern Saratoga County for 12 months prior to applying.


We are currently building homes in South Troy and Albany’s Sheridan Hollow neighborhood. To learn more about these builds and the neighborhoods, click here.