How Families Are Selected
Gwinnett Habitat uses three criteria to determine whether or not a family is ready to take part in the home ownership program.
NEED. Families often need a home because their current housing isn't viable. It may be overcrowded, too expensive, structurally unsound, or located in a dangerous neighborhood. We'll rate your level of need compared to that of other financially qualified applicants.
ABILITY TO PAY. You must be able to afford a monthly mortgage payment. See the chart below for some guidelines.
WILLINGNESS TO PARTNER. Habitat homeowners work on their own homes as well as others. Single-parent families must contribute at least 250 hours, and two-parent families at least 350. Included in these hours are mandatory homeowner education classes on such topics such as managing credit, budgeting, maintenance of homes and lawns, and preparing a will. You must be available on Saturdays, and you must understand and accept this "sweat equity" requirement.
Income Guidelines
Habitat offers its program to families in specific income ranges, adjusted for the number of persons in your family. Income includes wages, SS, disability, SSI, food stamps, TANF and child support.
Your total gross household income must fall within the posted range below.
| Year 2008 Income Guidelines |
| Family Size | 25% Median | 60% Median |
| One | $12,450 | $29,880 |
| Two | $14,250 | $34,200 |
| Three | $16,025 | $38,460 |
| Four | $17,800 | $42,720 |
| Five | $19,225 | $46,140 |
| Six | $20,650 | $49,560 |
| Seven | $22,075 | $52,980 |
| Eight | $23,500 | $56,400 |