Copyright © Habitat for Humanity of Island County 

Main office

*all potential Habitat homeowners must currently live in ​Island County.

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation.  We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.


How can I apply for the Homeownership Program?
Habitat for Humanity of Island County does not have a waiting list.  Instead, we hold open enrollment periods and only accept applications when we have buildable land or homes to remodel.  Open enrollments and public info meetings are posted on our website and Facebook page.  For more information, please contact us at (360) 679-9444. Click here to receive more information about upcoming opportunities. 

What can I do to prepare before applying?
Our program is for serious homebuyers.  A home purchase is one of the biggest and longest financial commitments you’ll make in life.  KNOW YOUR CREDIT.  If applicants have derogatory credit, very low scores, or no scores at all -they may need to establish credit or work to repair it. Tax returns are required to verify income from employment.  Make sure taxes have been filed for at least the 2 most recent years.   Another example would be to settle any legal matters like a divorce, adoption, pay off fines, etc..

How are applicant selected?
During open enrollment, completed applications are reviewed for eligibility based on three standard criteria - need for housing, ability to pay the house payments, and willingness to work with Habitat. We will ask applicants to submit financial documentation with their application. After completing the financial review, a home visit and interview will be conducted. Qualified applicants are submitted to the Board of Directors for final approval.

Must I have children to qualify?
No. We serve all types of households and families.  A “family” can be singles, unmarried or married couples, same-sex partners, elderly, families with or without children, multi-generational families, etc.   The application process is impartial.  Habitat does not discriminate or give preferential treatment based on familial status, age, race, color, creed, religion, sexual orientation, gender identity, national origin, veteran status, or disabilities.

Do applicants get to choose the location or design of the home?
No. Habitat does not build custom homes. Habitat will assign homes based on the household size and makeup. The size and location of the house will depend on where we own properties we can sell, and where we currently are building or remodeling houses. The locations available will usually be discussed during the home-ownership application meetings during the application process. *Habitat will not remove, add rooms, walls, or alter the house plans or finish by applicant request.

*It is our policy that households which include a person with a disability will be given consideration for reasonable accommodation or modifications to the property that will permit the individual an equal opportunity to use and enjoy the premises.

What if my weekly schedule is so busy that I’m not able to work on the construction or rehabilitation of the home?
If that is the case, this is program is not for you.  We will not complete the sale of the home if sweat equity obligations are not met​

Will credit check or background checks be conducted?
Yes.  Qualified applicants must have an acceptable credit history.  An indicator of acceptable credit is to have a mid-score of at least 640.  Credit history disqualifiers include bankruptcy in process, prior foreclosure, unpaid Federal judgements, excess accounts in collections, or other indicators of credit misuse.  There are exceptions for applicants with no credit scores. A background check is conducted on every applicant, volunteer, and employee of Habitat.  Our evaluation considers the nature of and time elapsed since conviction.  In no event will we allow a registered sex offender into our program as a homebuyer or volunteer.

What are the income limits?
A qualified household’s gross income must fall between 30%-80% of the Area Median Income as set by The Department of Housing and Urban Development (HUD), and is based on family size.  For the current income limits for Island County, please visit

Do I have to be a 1st time homebuyer?
No.  If applicant previously owned a home, 3 years must have passed since ownership ended. 

I applied before and was not accepted. Can I reapply?

Yes.  If you were previously denied and your circumstances have since changed, we encourage you to reapply.  We have accepted applicants who’ve applied numerous times throughout the years.

If I start volunteering now, will my hours count toward my Sweat Equity if I’m accepted into the Program at a later date?
No.  Sweat Equity hours are not considered until after the Board has approved your acceptance into the Program.  Additionally, Sweat Equity must be earned specifically from Habitat for Humanity of Island County.  Hours worked for other Habitat affiliates do not transfer.


380 SE Pioneer Way, Ste. 103

Oak Harbor WA 98277 

PO Box 2279 

Oak Harbor, WA 98277




freeland store

1592 Main Street
Freeland, WA 98249

Oak Harbor store

290 SE Pioneer Way
Oak Harbor, WA 98277