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Do You Qualify?

Habitat Cabarrus is dedicated to eliminating substandard living conditions in Cabarrus County by selling safe, decent, affordable housing to low-income families in need. We work closely with our future homeowners to form strong, respectful and caring relationships that continue long after a home is built.

The first step to applying is to attend an information session. To register for the next information session, please call or check on our website this summer to see when the registration for the 2020 session will be. Due to high demand of the homeownership program space is limited and spots will be filled on a first come, first served basis.

To qualify as potential homeowners, a family must meet the criteria listed below.   

You must be a U.S. citizen or permanent legal resident and reside in Cabarrus County or the City of Kannapolis for at least one year.

Rental History
You must have a good rental history living independently for at least one year.

You must currently live in inadequate housing, pay more than 30% of your monthly income for rent, live in a dangerous neighborhood, or have been unable to get a conventional home loan.

Ability to Pay
You must have a steady income source for at least two years. Your gross annual income should fall within the amounts on the table below.

Family SizeMinimum IncomeMaximum Income
 1 $16,600 $33,180
 2 $19,000 $37,920
 3 $21,350 $42,660
4 $23,700 $47,400
5 $25,600 $51,240
6 $27,500 $55,020
7 $29,400 $58,800
8 $31,300 $62,580

Your family must have and maintain good credit. We will check your credit history through a credit report.

Willingness to Partner
You are required to work a minimum of 250 hours of sweat equity per adult in your family, attend Homeowners Education classes and participate in various Habitat events.

For further information about the application process, please contact This email address is being protected from spambots. You need JavaScript enabled to view it. at 704-786-4001.

In accordance with Federal Fair Lending Laws, Habitat Cabarrus does not maintain a waiting list of applicants and does not discriminate on the basis of race, color, national origin, religion, sex, handicap, or familial status. The number of applicant households approved for Habitat Cabarrus homeownership is driven by the availability of properties.