You must:

  • Have a need for adequate shelter. You must be:
    • living in substandard housing (mold, lacks electricity, need major repairs, etc.
    • living in overcrowded housing,
    • paying too much for rent (more than 30% of their gross income on housing),
    • resident of public housing
  • Be willing to help build your own home. Each adult in the family must agree to put in 250 hours per adult of sweat equity building their own home,
  • Agree to attend homeowner and financial classes while you are building your home to make sure that you can keep it in good working order after you move into it,
  • Have the ability to pay an affordable mortgage. You must earn between 40% – 60% of the area median income of Butte County, have a history of timely payments, and a stable work history and/or income.

The median income for our area changes each year. To give you an idea of what that looks like right now, here is a chart showing the median income for Butte County for 2018:

  Butte County Area Median Income (2018)

Family Size Minimum




3 $24,015 $32,700
4 $27,675 $36,300
5 $31,060 $39,240
6 $33,060 $42,120
7 $37,550 $45,060

In addition to the requirements listed above, you must also:

  • Live in and/or work in Butte County for at least two years.
  • Be a legal permanent resident(s) or citizen(s) of the U.S. at the time of the application.
  • Have a history of timely payments, stable work history (1 full year at 1 place in the past 3 years).
  • Must be on current job for 6 months.
  • Must not have excessive debt that would make it too difficult to pay a mortgage.
  • Must be a first time homeowner(s).  (this is a requirement from the City of Chico)

If you are interested in partnering with Habitat, our next open enrollment will not begin until Spring 2020.  Please continue to check our website for updates.