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Critical Home Repair Program

Critical Home Repair Program

The Habitat Critical Home Repair program helps low-income homeowners by providing affordable loans to help repair critical issues in or around their home. 

Through the program homeowners partner with Habitat for Humanity of Southeast Ohio and our volunteers. This work improves the quality of life and preserves the housing stock in Southeastern Ohio.

Note: This is not a free program.

The Home Repair program addresses health and safety concerns in several areas of the home as well as in the community. Projects have a financial cap of $10,000. They include, but are not limited to:

  • Unsafe Roofing
  • Sidewalk Issues
  • Plumbing Issues
  • Roof/Deck Repairs
  • Accessibility
  • Hazards inside and outside the home

Note: Habitat for Humanity of Southeast Ohio reserves the right to refuse to work on any project we feel does not fall within our scope of work.

The Critical Home Repair program serves homeowners throughout Southeast Ohio who:

  • Live in their own homes (no land contracts)
  • Have one or more critical housing needs
  • Must meet income guidelines (see tables below)
  • Are current on property tax payments
  • Have an active homeowner’s insurance policy
  • Willing to pay 20% down on project costs (Max of $750)
  • Willing to perform “sweat equity” hours based on project cost
  • Willing to make monthly, zero-interest payments back to Habitat

Mobile Homes

Habitat Southeast Ohio will work on mobile homes if all the above requirements are met as well as these additional guidelines:

  • Must own mobile home and land (no land contracts)
  • Habitat Southeast Ohio will only complete work up to 25% of the value of the mobile home (as determined by Habitat Southeast Ohio)

Income Guidelines

20% – 90% Area Median Income 

Fairfield County Minimum Income Maximum Income
One (1) $13,120 $59,040
Two (2) $15,000 $67,500
Three (3) $16,880 $75,960
Four (4) $18,740 $84,330
Five (5) $20,240 $91,080
Six (6) $21, 740 $97, 830
All Other Counties Minimum Income Maximum Income
One (1) $10,500 $47,250
Two (2) $12,000 $54,000
Three (3) $13,500 $60,750
Four (4) $14,980 $67,410
Five (5) $16,180 $72,810
Six (6) $17,380 $78, 210

If you feel you meet all of the criteria above, please fill out a pre-application below:

First Name *
Last Name *
Address Line 1 *
City *
State/Province *
Postal Code *
Do You Own and Live in Your Home? (No Land Contracts)
Is Your Home a Mobile Home?
Do You Have Homeowner's Insurance?
Are You Current on Property Taxes(or can become current quickly)?
Are You a Senior or a Veteran?
Are You Willing to Make a Down Payment and Pay a Zero Interest Loan?