Our 2024 Homeownership application process is from February 1st through 29th. To learn about the Habitat St. Charles Homeownership Program, contact Shana, our Homeowner Support Manager, for questions. She can be reached at shana@habitatstcharles.org or 636-978-5712 x 118.

Before applying for a home, please read these initial requirements.

1. You must have lived OR worked in St. Charles County consistently for the past year.

2. You must be able to pay an affordable mortgage and pass a credit review. 

As part of the evaluation process, a credit check will be made on your past payment history. Obtain a FREE copy of your credit report at www.annualcreditreport.com.

Unsatisfied judgements will disqualify you at the time of application.

 You must have a steady source of income.

If income is from employment, applicants must be employed with their current employer or in a similar industry for 6-9 months, or have another steady source of income. Non-employment income is counted if it is predicted to continue at least 3 years.

Your total gross (before tax) household income from all sources and from ALL wage earners over the age of 18 living with you, must fall at or below 80% of the Area Median Income (AMI) based on your family size. See chart on our website: www.habitatstcharles.org. Minimum income to qualify is approximately $32,000 annually.

Filing for bankruptcy does not disqualify you from the Habitat program. The bankruptcy must be fully discharged by the court for a minimum of 2 years at the time of application.

3. You must be willing to work the required 300 hours for individual applicants and 450 hours for dual applicants in the process of building your home, including assisting with construction, required workshops, classes and other Habitat programs, over the next 9-12 months.

We have sweat equity activities available for people of ALL ability levels.

4. You must demonstrate a NEED for affordable homeownership.

 Habitat’s goal is to eliminate substandard housing. Your home could be structurally unsound, overcrowded, have inadequate plumbing, heating, roofing, etc. or you may have no home of your own at all. If your housing is not substandard, but is unaffordable and cost burdening to you, you may also qualify.

Family Size                                                          80% of AMI

Family of 1 $56,250
Family of 2 $64,300
Family of 3 $72,350
Family of 4 $80,350
Family of 5 $86,800
Family of 6 $93,250
Family of 7 $99,650
Family of 8 $106,100

If you believe that you meet these guidelines, send Habitat your contact information so they can let you know when applications are accepted and of upcoming homeownership training. Click here for an application.