Affordable Home Ownership Program

Habitat builds simple, decent, and affordable homes with the help of our families and community partners.

Why are Habitat homes so affordable?

First, we build modest homes, enlisting hundreds of hours of volunteer support for each build. Our families put in 250 hours of sweat equity, including budgeting and finance management classes. Second, we offer a zero-interest mortgage with a small down payment, making move-in costs affordable and the mortgage payment far less than rent.  Finally, our homes foster long-term affordability by being eco-friendly (greatly reduces monthly utility bills) and easy to maintain (so important for busy working families). 

The Benefits of Homeownership

  • fosters a sense of pride, security, and self-worth,
  • provides children with stability for success in school and social relationships,
  • gives parents control over their shelter, a basic human need,
  • builds strong neighborhood communities where people have each other's best interests at heart.

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Habitat is a hand-up, not a hand-out.


To be eligible to apply for a Habitat home, families must:

  • Demonstrate a need for housing.
  • Be able to make mortgage payments.
  • Be willing to work in partnership with Habitat to build their home.
  • Be willing to live where we build within the Salt Lake County area.
  • Be a United States citizen or legal resident alien.
  • Have lived or worked within Salt Lake County for the past 12 months.

How to Apply

If you are interested in applying for a Habitat home, please email or call

Kandace Diggs, Family Services Director, Salt Lake Valley Habitat for Humanity

(801) 263-0136 ext. 4

Or click here to complete an inquiry form