Privacy Statement

To qualify for a Habitat home:

  • Your household income should fall between 30% and 80% of the median income. See chart for Winona County below.

  • You must have a need for affordable housing. For example, overcrowding, unsafe or unsanitary conditions, accessibility concerns, inadequate heating, or a leaking roof.

  • If approved, you must volunteer for a minimum of 200 hours of sweat equity.

We will verify employment and other income, checking and savings balances, current debt, and run a credit check. If approved for a Habitat home, you must:

  • Be willing to attend budgeting, home repair, and maintenance classes.

  • Commit to saving for a down payment.

  • Have the ability to make monthly house payments.

2024 HUD Income Guidelines (Winona County)

Frequently Asked Questions

If I qualify, how long will the process take?
It can take from 9 months to 2 years for a selected homebuyer to move into their house. There are many factors than can affect how quickly your home will be completed, and Habitat makes no guarantees of when construction will be completed.

How are Habitat homes built?
We follow all state and local building codes and build to the Minnesota Green Communities standard.

What would my responsibility to Habitat be?
In addition to the above-mentioned classes and sweat equity, Habitat homebuyers are asked to participate in fundraisers, newspaper or TV coverage, and photographs. This is necessary to maintain community involvement, and every effort is made to make the experience comfortable for the family.

After moving in, homebuyers must make monthly mortgage payments on time and maintain the house and yard. Homeowners are totally responsible for their property and monthly utility bills.

Will I pay for the house?
Yes, you will have a mortgage. Habitat for Humanity sells houses with affordable mortgages. The length of the mortgage is typically 30 years.

What should I do next?
If you are interested in knowing more about the Habitat for Humanity homeownership program, please email us at info@habitatwinona.org with the subject line “Homeowner Interest List.”


If you have any questions, please call (507) 457-0003.

Habitat for Humanity serving Winona County is an equal housing lender and does not discriminate based on race, creed, color, religion, national origin, sex, marital status, family status, age, or disability.