Own a Home

Our homes are sold to individuals and families who have a need for safe, decent and affordable housing. Since 1997, we have built more than 90 homes in St. Charles County.

Process to becoming a homeowner

Applicants must meet our income guidelines, have reasonable credit histories, a manageable level of debt and be willing and able to perform up to 300-450 hours of “sweat equity” to build their own homes. The entire process including the selection process, building of the home and sweat equity can take about a year.

Our selection process for interested applicants includes a review of financial status, job history, and other qualifications.

Our 2024 Homeownership selection process will begin in January and applications will only be accepted between February 1-29, 2024.  To learn about the Habitat St. Charles Homeownership Program, attend the Homeownership Information Meeting on February 21, 2024. This meeting is virtual, and will be held via Zoom. Please contact Shana to receive the Zoom link. 


Inquiry Form

If you are a homeowner living in St. Charles, Lincoln or Warren County who has been impacted, financially, due to COVID-19, mortgage assistance may be available to you. Please call 211 and enter “2.”  Then enter your zip code.  To be connected to the Coordinated Entry Center for a full assessment, please enter “3.”  OR, you may email them directly at centry@communitycouncilstc.org.  Make sure you leave your phone number and the best day and time to return your call.

If you have an immediate need for housing call 211 for Coordinated Entry. 

If you require resources such as food pantry, utility assistance, job training, etc., please visit: www.communitycouncilstc.org/resources.