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Homeownership Program

For 30 years, Habitat for Humanity of Gallatin Valley has built homes and fulfilled dreams in partnership with hardworking families and individuals. Through a collaborative effort, Habitat works toward increasing the affordable housing stock in our community. Homes are sold to qualifying partner families and financed with affordable loans.

Want to apply to be a Habitat for Humanity Partner Family?

Our homeownership program empowers hard working individuals and families to build and buy their own homes.  We partner with our homeowners every step of the way, and provide the education and support needed to become successful homeowners. 

Habitat Partner Qualifications

Our staff and Family Selection Committee select our partner families based on four main criteria:

  1. Need for Housing: An applicant is considered in need if they pay more than 30% of their income towards rent, the home they are living in is too small for the number of people, the home itself is substandard or unsafe (the roof leaks, the plumbing or wiring is bad, etc.) and/or children do not have a safe space to live and play.
  2. Ability to Pay: Habitat sells newly-constructed homes to family partners at cost, with no interest. We use a mortgage that is structured to be no more than 30% of each family's monthly earnings. Habitat seeks family partners earning about 80% of the area median income (this amount varies between counties and fluctuates from year to year). 
  3. Willingness to Partner: Habitat for Humanity requires each partner to commit to 500 hours of "Sweat Equity" (volunteer work time). The head(s) of the household who will be living in the home must complete 250 of these hours, and the additional 250 can be done by friends and family. "Sweat Equity" hours help families gain a sense of ownership as well as a better understanding of the building process. Partners are required to participate in a homeownership education and financial planning course. 
  4. Residency: Habitat for Humanity of Gallatin Valley, Inc. requires applicants to have lived or worked in the county of the home to which you are applying (Gallatin, Park or Madison)  for at least one year prior to submitting an application. 

Program Eligibility

Review the financial and general qualifications below to understand the criteria to be eligible for our program. You must:

  • Live or work in the county you are applying for at the time of application.
  • Be a U.S. Citizen or Legal Permanent Resident.
  • Have at least three years since being discharged from bankruptcy.
  • Earn an annual gross income within the range based on family size (see chart below for county limits) 
  • Credit score of 640 + preferred
    • Options available for those with invisible credit/no credit


Family Size Minimum Maximum
1 person 25,000 39,800
2 people 28,600 45,450
3 people 32,150 51,150
4 people 35,700 56,800
5 people 38,600 61,350

(income levels updated April 1, 2021 HUD)


Family Size Minimum Maximum
1 person 35,000 49,800
2 people 35,500 56,900
3 people 35,500 64,000
4 people 35,700 71,100
5 people 38,600 76,800

(income levels updated April 1, 2021 HUD)

*Habitat for Humanity of Gallatin Valley updates our income requirements annually based on area market conditions and varies from county to county. We reserve the right to revise these guidelines at any time. 

**Gallatin Valley: Because of rising costs and land prices in the Gallatin Valley, applicants must make a minimum of $35,500 annually

How to Apply

Madison County

We are currently accepting applications for Partner Families in the Ennis area for our next project. If you live or work in the Ennis area and would like to apply, please download the application and application checklist and submit all materials to:

Habitat for Humanity of Gallatin Valley, Inc.

c/o Kara Meier

230 Arden Drive

Belgrade, MT 59714

Gallatin and Park Counties

All of our partner families for current projects in Gallatin and Park Counties have already been selected . At this time, we are not accepting applications for these areas. Please sign up for our monthly newsletter for updates on current and future projects.

  • Pre-Applicaton

    Please fill out the form below and we will get in touch with you after an initial review.

Address Line 1
Postal Code


Habitat for Humanity of Gallatin Valley provides equal housing opportunities for all, and ensures fair and equal access to its programs and services regardless of race, color, religion, gender, national origin, familial status, disability, marital status, age, ancestry, sexual orientation, source of income, or other characteristics protected by law. Anyone who feels he or she has been discriminated against may file a complaint by calling 1-800-669-9777 (Toll Free) or 1-800-927-9275 (TTY).

Our door is always open. 

Call us or stop in today and we can answer any of your questions regarding programs and services. Thank you for your interest in our chapter of Habitat for Humanity.

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